O-3 without dependents, nearest stations0 – $5,331 / month
San Francisco$5,331
Ventura$3,834
Perth Amboy$3,825
Honolulu County$3,819
Trenton$3,786
Hawaii County$3,744
Miami$3,738
Monterey$3,723
San Luis Obispo$3,675
Essex CO$3,642
Youngstown$1,344
Hawaii County is #26 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 Hawaii County0 – $3,993 / month
E-1$2,586
E-2$2,586
E-3$2,586
E-4$2,586
E-5$3,042
E-6$3,312
E-7$3,450
E-8$3,648
E-9$3,711
W-1$3,408
W-2$3,645
W-3$3,723
W-4$3,840
W-5$3,882
O-1E$3,591
O-2E$3,696
O-3E$3,828
O-1$3,297
O-2$3,549
O-3$3,744
O-4$3,867
O-5$3,885
O-6$3,921
O-7$3,993
Promoting to O-4 here adds $123 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 Hawaii County to San Francisco at O-3 is worth $1,587 a month — about 13 promotions worth of housing allowance, at $123 per grade here.
02
Dependency status is worth 5% 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. $3,744 a month of BAH takes more than $3,744 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.