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-3E without dependents at Great Lakes Navtracen draws $2,751 per month in 2026

    Permalinkbahratedesk.com/great-lakes-navtracen-il/o-3e/without/ExcelCSVDownloads cover this station.
    Great Lakes Navtracen, IL
    O-3E · without dependents
    $2,751/ month
    $33,012 / year
    At O-3E, this is #104 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA IL092 · ZIPs 53101 53102 53104 53109 53140 53141 +44 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,527 / mo gross
    Other dependency status here$3,183 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Great Lakes Navtracen — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,202$1,653
    E-2$2,202$1,653
    E-3$2,202$1,653
    E-4$2,202$1,653
    E-5$2,427$1,854
    E-6$2,760$2,067
    E-7$2,853$2,211
    E-8$2,955$2,499
    E-9$3,120$2,592
    Warrant officer
    W-1$2,778$2,133
    W-2$2,895$2,496
    W-3$3,021$2,604
    W-4$3,156$2,778
    W-5$3,327$2,874
    Officer — prior enlisted
    O-1E$2,871$2,424
    O-2E$3,000$2,571
    O-3E$3,183$2,751
    Officer
    O-1$2,475$1,977
    O-2$2,757$2,355
    O-3$3,018$2,637
    O-4$3,381$2,853
    O-5$3,645$2,907
    O-6$3,675$3,000
    O-7$3,702$3,051
    PCS compareGreat Lakes Navtracen · O-3E · $2,751/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▼ CUT−$18−$216/yr · like −$277 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    Austin$2,796
    Traverse City$2,796
    Astoria$2,790
    Minneapolis$2,769
    Great Lakes Navtracen$2,751
    Portland$2,745
    Whidbey Island$2,739
    County Cost Group 850$2,736
    Aberdeen Proving Grounds$2,733
    Youngstown$1,347

    Great Lakes Navtracen is #104 of 338. The spread between the dearest and cheapest station at this grade is $4,098 a month — $49,176 a year, untaxed.

    Every pay grade at Great Lakes Navtracen0 – $3,051 / month
    E-1$1,653
    E-2$1,653
    E-3$1,653
    E-4$1,653
    E-5$1,854
    E-6$2,067
    E-7$2,211
    E-8$2,499
    E-9$2,592
    W-1$2,133
    W-2$2,496
    W-3$2,604
    W-4$2,778
    W-5$2,874
    O-1E$2,424
    O-2E$2,571
    O-3E$2,751
    O-1$1,977
    O-2$2,355
    O-3$2,637
    O-4$2,853
    O-5$2,907
    O-6$3,000
    O-7$3,051

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    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. $2,751 a month of BAH takes more than $2,751 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.