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
    With $2,772Without $2,298

    O-3 at Helena draws $2,772 per month with dependents in 2026, $2,298 without

    Permalinkbahratedesk.com/helena-mt/o-3/ExcelCSVDownloads cover this station.
    Helena, MT
    O-3 · with dependents
    $2,772/ month
    $33,264 / year
    At O-3, this is #132 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA MT347 · ZIPs 59410 59601 59602 59604 59620 59623 +9 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,554 / mo gross
    Without dependents here$2,298 / mo
    In government quarters, no dependents$50.10 / mo partial
    Helena — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,752$1,515
    E-2$1,752$1,515
    E-3$1,752$1,515
    E-4$1,752$1,515
    E-5$1,887$1,572
    E-6$2,535$1,902
    E-7$2,622$1,968
    E-8$2,715$2,037
    E-9$2,847$2,211
    Warrant officer
    W-1$2,556$1,917
    W-2$2,661$2,016
    W-3$2,775$2,235
    W-4$2,874$2,550
    W-5$3,000$2,643
    Officer — prior enlisted
    O-1E$2,637$1,977
    O-2E$2,757$2,169
    O-3E$2,895$2,529
    Officer
    O-1$1,968$1,614
    O-2$2,526$1,971
    O-3$2,772$2,298
    O-4$3,039$2,619
    O-5$3,231$2,670
    O-6$3,258$2,754
    O-7$3,279$2,802
    PCS compareHelena · O-3 · $2,772/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$300+$3,600/yr · like +$4,615 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Reno$2,799
    Nashville$2,784
    Detroit$2,778
    Buffalo$2,772
    Helena$2,772
    Patuxent River$2,769
    Eugene$2,766
    Richmond$2,760
    St. Louis$2,760
    Anniston$1,686

    Helena is #132 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 Helena0 – $3,279 / month
    E-1$1,752
    E-2$1,752
    E-3$1,752
    E-4$1,752
    E-5$1,887
    E-6$2,535
    E-7$2,622
    E-8$2,715
    E-9$2,847
    W-1$2,556
    W-2$2,661
    W-3$2,775
    W-4$2,874
    W-5$3,000
    O-1E$2,637
    O-2E$2,757
    O-3E$2,895
    O-1$1,968
    O-2$2,526
    O-3$2,772
    O-4$3,039
    O-5$3,231
    O-6$3,258
    O-7$3,279

    Promoting to O-4 here adds $267 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 Helena to Westchester County at O-3 is worth $3,861 a month — about 14 promotions worth of housing allowance, at $267 per grade here.

    02

    Dependency status is worth 21% 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. $2,772 a month of BAH takes more than $2,772 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.