What is O-3 BAH at Fresno in 2026?

$2,937 per month with dependents ($35,244 per year), effective 01 JAN 2026. Without dependents it is $2,685 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Fresno 2026 — $2,937 with dependents, $2,685 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Fresno, CA

O-3 · with dependents

$2,937/ month

$35,244 / year

At O-3, this is #108 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA CA022 · ZIPs 93210 93234 93242 93601 93602 93604 +107 more

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Untaxed — matching it with taxable pay takes$3,765 / mo gross

Without dependents here$2,685 / mo

In government quarters, no dependents$50.10 / mo partial

Fresno — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,175	$1,740
E-2	$2,175	$1,740
E-3	$2,175	$1,740
E-4	$2,175	$1,740
E-5	$2,439	$1,842
E-6	$2,826	$2,121
E-7	$2,868	$2,184
E-8	$2,910	$2,520
E-9	$3,015	$2,631
Warrant officer
W-1	$2,847	$2,136
W-2	$2,883	$2,517
W-3	$2,940	$2,646
W-4	$3,042	$2,832
W-5	$3,174	$2,874
Officer — prior enlisted
O-1E	$2,871	$2,436
O-2E	$2,928	$2,607
O-3E	$3,063	$2,820
Officer
O-1	$2,490	$1,908
O-2	$2,823	$2,352
O-3	$2,937	$2,685
O-4	$3,213	$2,859
O-5	$3,414	$2,880
O-6	$3,441	$2,916
O-7	$3,465	$2,967

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

County Cost Group 850$3,003

Orlando$2,997

Oxford$2,985

Fairbanks$2,937

Fresno$2,937

Patrick SFB$2,922

Minneapolis$2,910

County Cost Group 840$2,907

Knoxville$2,904

Anniston$1,686

Fresno is #108 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 a year, untaxed.

Every pay grade at Fresno0 – $3,465 / month

E-1$2,175

E-2$2,175

E-3$2,175

E-4$2,175

E-5$2,439

E-6$2,826

E-7$2,868

E-8$2,910

E-9$3,015

W-1$2,847

W-2$2,883

W-3$2,940

W-4$3,042

W-5$3,174

O-1E$2,871

O-2E$2,928

O-3E$3,063

O-1$2,490

O-2$2,823

O-3$2,937

O-4$3,213

O-5$3,414

O-6$3,441

O-7$3,465

Promoting to O-4 here adds $276 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Fresno to Westchester County at O-3 is worth $3,696 a month — about 13 promotions worth of housing allowance, at $276 per grade here.

Dependency status is worth 9% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

None of it is taxed. $2,937 a month of BAH takes more than $2,937 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

O-3 at Fresno draws $2,937 per month with dependents in 2026, $2,685 without

What this rate means

Things the rate table doesn't tell you