What is O-3 BAH at Jackson in 2026?

$2,502 per month with dependents ($30,024 per year), effective 01 JAN 2026. Without dependents it is $2,070 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Jackson 2026 — $2,502 with dependents, $2,070 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Jackson, MS

O-3 · with dependents

$2,502/ month

$30,024 / year

At O-3, this is #178 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA MS170 · ZIPs 39041 39042 39043 39045 39046 39047 +56 more

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Untaxed — matching it with taxable pay takes$3,208 / mo gross

Without dependents here$2,070 / mo

In government quarters, no dependents$50.10 / mo partial

Jackson — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,818	$1,422
E-2	$1,818	$1,422
E-3	$1,818	$1,422
E-4	$1,818	$1,422
E-5	$1,920	$1,608
E-6	$2,163	$1,722
E-7	$2,286	$1,818
E-8	$2,418	$1,974
E-9	$2,598	$2,037
Warrant officer
W-1	$2,181	$1,797
W-2	$2,340	$1,971
W-3	$2,505	$2,049
W-4	$2,634	$2,184
W-5	$2,790	$2,316
Officer — prior enlisted
O-1E	$2,307	$1,917
O-2E	$2,481	$2,022
O-3E	$2,658	$2,154
Officer
O-1	$1,956	$1,716
O-2	$2,160	$1,890
O-3	$2,502	$2,070
O-4	$2,841	$2,289
O-5	$3,084	$2,361
O-6	$3,108	$2,484
O-7	$3,129	$2,526

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

Bangor$2,514

Battle Creek$2,514

Fargo$2,511

County Cost Group 800$2,508

Jackson$2,502

Fort Campbell$2,496

Phoenix$2,490

Eastern Panhandle$2,478

Corpus Christi$2,475

Anniston$1,686

Jackson is #178 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 Jackson0 – $3,129 / month

E-1$1,818

E-2$1,818

E-3$1,818

E-4$1,818

E-5$1,920

E-6$2,163

E-7$2,286

E-8$2,418

E-9$2,598

W-1$2,181

W-2$2,340

W-3$2,505

W-4$2,634

W-5$2,790

O-1E$2,307

O-2E$2,481

O-3E$2,658

O-1$1,956

O-2$2,160

O-3$2,502

O-4$2,841

O-5$3,084

O-6$3,108

O-7$3,129

Promoting to O-4 here adds $339 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Jackson to Westchester County at O-3 is worth $4,131 a month — about 12 promotions worth of housing allowance, at $339 per grade here.

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.

None of it is taxed. $2,502 a month of BAH takes more than $2,502 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-3 at Jackson draws $2,502 per month with dependents in 2026, $2,070 without

What this rate means

Things the rate table doesn't tell you