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 Indian Head Navordsta draws $3,327 per month in 2026

    Permalinkbahratedesk.com/indian-head-navordsta-md/o-3/without/ExcelCSVDownloads cover this station.
    Indian Head Navordsta, MD
    O-3 · without dependents
    $3,327/ month
    $39,924 / year
    At O-3, this is #48 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA MD134 · ZIPs 20601 20602 20603 20604 20607 20611 +19 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,265 / mo gross
    Other dependency status here$3,669 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Indian Head Navordsta — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,192$2,472
    E-2$3,192$2,472
    E-3$3,192$2,472
    E-4$3,192$2,472
    E-5$3,249$2,904
    E-6$3,378$3,135
    E-7$3,483$3,189
    E-8$3,597$3,282
    E-9$3,768$3,306
    Warrant officer
    W-1$3,393$3,186
    W-2$3,528$3,279
    W-3$3,672$3,315
    W-4$3,804$3,396
    W-5$3,969$3,507
    Officer — prior enlisted
    O-1E$3,501$3,246
    O-2E$3,648$3,300
    O-3E$3,831$3,366
    Officer
    O-1$3,273$3,132
    O-2$3,375$3,234
    O-3$3,669$3,327
    O-4$4,020$3,483
    O-5$4,278$3,543
    O-6$4,314$3,651
    O-7$4,344$3,714
    PCS compareIndian Head Navordsta · O-3 · $3,327/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$684−$8,208/yr · like −$10,523 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    County Cost Group 890$3,387
    Providence$3,357
    San Bernardino$3,339
    Fitchburg$3,330
    Indian Head Navordsta$3,327
    Warrenton$3,261
    Santa Fe$3,249
    Newport$3,231
    Willow Grove$3,228
    Youngstown$1,344

    Indian Head Navordsta is #48 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 Indian Head Navordsta0 – $3,714 / month
    E-1$2,472
    E-2$2,472
    E-3$2,472
    E-4$2,472
    E-5$2,904
    E-6$3,135
    E-7$3,189
    E-8$3,282
    E-9$3,306
    W-1$3,186
    W-2$3,279
    W-3$3,315
    W-4$3,396
    W-5$3,507
    O-1E$3,246
    O-2E$3,300
    O-3E$3,366
    O-1$3,132
    O-2$3,234
    O-3$3,327
    O-4$3,483
    O-5$3,543
    O-6$3,651
    O-7$3,714

    Promoting to O-4 here adds $156 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 Indian Head Navordsta to San Francisco at O-3 is worth $2,004 a month — about 13 promotions worth of housing allowance, at $156 per grade here.

    02

    Dependency status is worth 10% 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. $3,327 a month of BAH takes more than $3,327 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.