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 $2,307Without $2,085

    O-3 at Indianapolis draws $2,307 per month with dependents in 2026, $2,085 without

    Permalinkbahratedesk.com/indianapolis-in/o-3/ExcelCSVDownloads cover this station.
    Indianapolis, IN
    O-3 · with dependents
    $2,307/ month
    $27,684 / year
    At O-3, this is #222 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA IN094 · ZIPs 46030 46031 46032 46033 46034 46037 +110 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,958 / mo gross
    Without dependents here$2,085 / mo
    In government quarters, no dependents$50.10 / mo partial
    Indianapolis — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,749$1,395
    E-2$1,749$1,395
    E-3$1,749$1,395
    E-4$1,749$1,395
    E-5$1,875$1,533
    E-6$2,208$1,656
    E-7$2,244$1,749
    E-8$2,283$1,947
    E-9$2,346$2,040
    Warrant officer
    W-1$2,229$1,716
    W-2$2,259$1,944
    W-3$2,310$2,055
    W-4$2,361$2,211
    W-5$2,433$2,250
    Officer — prior enlisted
    O-1E$2,247$1,872
    O-2E$2,298$2,019
    O-3E$2,373$2,202
    Officer
    O-1$1,923$1,617
    O-2$2,205$1,836
    O-3$2,307$2,085
    O-4$2,451$2,238
    O-5$2,559$2,253
    O-6$2,577$2,286
    O-7$2,592$2,322
    PCS compareIndianapolis · O-3 · $2,307/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$765+$9,180/yr · like +$11,769 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Mountain Home AFB$2,325
    Wichita Fls$2,325
    Fallon NAS$2,319
    Kansas City$2,310
    Indianapolis$2,307
    Roanoke$2,301
    Rock Island$2,298
    County Cost Group 770$2,280
    Lincoln$2,280
    Anniston$1,686

    Indianapolis is #222 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 Indianapolis0 – $2,592 / month
    E-1$1,749
    E-2$1,749
    E-3$1,749
    E-4$1,749
    E-5$1,875
    E-6$2,208
    E-7$2,244
    E-8$2,283
    E-9$2,346
    W-1$2,229
    W-2$2,259
    W-3$2,310
    W-4$2,361
    W-5$2,433
    O-1E$2,247
    O-2E$2,298
    O-3E$2,373
    O-1$1,923
    O-2$2,205
    O-3$2,307
    O-4$2,451
    O-5$2,559
    O-6$2,577
    O-7$2,592

    Promoting to O-4 here adds $144 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 Indianapolis to Westchester County at O-3 is worth $4,326 a month — about 30 promotions worth of housing allowance, at $144 per grade here.

    02

    Dependency status is worth 11% 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. $2,307 a month of BAH takes more than $2,307 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.