BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

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

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-3 without dependents at Grand Forks draws $1,902 per month in 2026

    Permalinkbahratedesk.com/grand-forks-nd/o-3/without/ExcelCSVDownloads cover this station.
    Grand Forks, ND
    O-3 · without dependents
    $1,902/ month
    $22,824 / year
    At O-3, this is #241 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA ND190 · ZIPs 58201 58202 58203 58204 58205 58206 +13 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,438 / mo gross
    Other dependency status here$2,199 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Grand Forks — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,518$1,233
    E-2$1,518$1,233
    E-3$1,518$1,233
    E-4$1,518$1,233
    E-5$1,731$1,299
    E-6$2,004$1,500
    E-7$2,073$1,554
    E-8$2,151$1,791
    E-9$2,277$1,863
    Warrant officer
    W-1$2,022$1,518
    W-2$2,106$1,788
    W-3$2,202$1,875
    W-4$2,307$2,013
    W-5$2,439$2,091
    Officer — prior enlisted
    O-1E$2,085$1,728
    O-2E$2,184$1,848
    O-3E$2,325$1,995
    Officer
    O-1$1,770$1,329
    O-2$2,001$1,662
    O-3$2,199$1,902
    O-4$2,478$2,070
    O-5$2,682$2,109
    O-6$2,703$2,178
    O-7$2,718$2,214
    PCS compareGrand Forks · O-3 · $1,902/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$741+$8,892/yr · like +$11,400 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Marquette$1,935
    Johnson City$1,914
    Lansing$1,914
    Fort Drum$1,902
    Grand Forks$1,902
    Little Rock$1,902
    Wichita Fls$1,887
    Auburn$1,884
    County Cost Group 760$1,878
    Youngstown$1,344

    Grand Forks is #241 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at Grand Forks0 – $2,214 / month
    E-1$1,233
    E-2$1,233
    E-3$1,233
    E-4$1,233
    E-5$1,299
    E-6$1,500
    E-7$1,554
    E-8$1,791
    E-9$1,863
    W-1$1,518
    W-2$1,788
    W-3$1,875
    W-4$2,013
    W-5$2,091
    O-1E$1,728
    O-2E$1,848
    O-3E$1,995
    O-1$1,329
    O-2$1,662
    O-3$1,902
    O-4$2,070
    O-5$2,109
    O-6$2,178
    O-7$2,214

    Promoting to O-4 here adds $168 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Grand Forks to San Francisco at O-3 is worth $3,429 a month — about 20 promotions worth of housing allowance, at $168 per grade here.

    02

    Dependency status is worth 16% 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.

    03

    None of it is taxed. $1,902 a month of BAH takes more than $1,902 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't tell you

    01

    “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.

    02

    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.

    03

    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.