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 $4,428Without $3,819

    O-3 at Honolulu County draws $4,428 per month with dependents in 2026, $3,819 without

    Permalinkbahratedesk.com/honolulu/o-3/ExcelCSVDownloads cover this station.
    Honolulu County, HI
    O-3 · with dependents
    $4,428/ month
    $53,136 / year
    At O-3, this is #22 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA HI408 · ZIPs 96701 96706 96707 96709 96712 96717 +63 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$5,677 / mo gross
    Without dependents here$3,819 / mo
    In government quarters, no dependents$50.10 / mo partial
    MHA

    One MHA covers the whole island — Pearl Harbor, Schofield, Kaneohe Bay and Hickam all draw the same rate.

    Honolulu County — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,333$2,598
    E-2$3,333$2,598
    E-3$3,333$2,598
    E-4$3,333$2,598
    E-5$3,663$2,856
    E-6$3,912$3,036
    E-7$4,098$3,348
    E-8$4,302$3,720
    E-9$4,518$3,783
    Warrant officer
    W-1$3,930$3,222
    W-2$4,182$3,717
    W-3$4,434$3,795
    W-4$4,551$3,951
    W-5$4,692$4,146
    Officer — prior enlisted
    O-1E$4,137$3,660
    O-2E$4,398$3,768
    O-3E$4,572$3,903
    Officer
    O-1$3,702$2,997
    O-2$3,909$3,555
    O-3$4,428$3,819
    O-4$4,737$4,110
    O-5$4,959$4,224
    O-6$5,001$4,413
    O-7$5,040$4,494
    PCS compareHonolulu County · O-3 · $4,428/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▼ CUT−$1,356−$16,272/yr · like −$20,862 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Los Angeles$4,524
    San Diego$4,518
    Portsmouth$4,461
    Miami$4,437
    Honolulu County$4,428
    Cape Cod-Plymouth$4,419
    West Point$4,380
    Oakland$4,362
    Trenton$4,362
    Anniston$1,686

    Honolulu County is #22 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 Honolulu County0 – $5,040 / month
    E-1$3,333
    E-2$3,333
    E-3$3,333
    E-4$3,333
    E-5$3,663
    E-6$3,912
    E-7$4,098
    E-8$4,302
    E-9$4,518
    W-1$3,930
    W-2$4,182
    W-3$4,434
    W-4$4,551
    W-5$4,692
    O-1E$4,137
    O-2E$4,398
    O-3E$4,572
    O-1$3,702
    O-2$3,909
    O-3$4,428
    O-4$4,737
    O-5$4,959
    O-6$5,001
    O-7$5,040

    Promoting to O-4 here adds $309 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 Honolulu County to Westchester County at O-3 is worth $2,205 a month — about 7 promotions worth of housing allowance, at $309 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. $4,428 a month of BAH takes more than $4,428 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.