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
    Dependents

    O-3E with dependents at Jacksonville draws $2,463 per month in 2026

    Permalinkbahratedesk.com/jacksonville-fl/o-3e/with/ExcelCSVDownloads cover this station.
    Jacksonville, FL
    O-3E · with dependents
    $2,463/ month
    $29,556 / year
    At O-3E, this is #214 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA FL058 · ZIPs 32003 32004 32006 32030 32033 32043 +70 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,158 / mo gross
    Other dependency status here$2,229 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Jacksonville — full sheetTap a row
    PCS compareJacksonville · O-3E · $2,463/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$759+$9,108/yr · like +$11,677 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Duluth$2,478
    Mountain Home AFB$2,478
    Boise$2,475
    County Cost Group 780$2,469
    Jacksonville$2,463
    Ogden$2,454
    Fort Hood$2,451
    Kansas City$2,451
    Fort Leavenworth$2,448
    Youngstown$1,788

    Jacksonville is #214 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 a year, untaxed.

    Every pay grade at Jacksonville0 – $2,775 / month
    E-1$2,046
    E-2$2,046
    E-3$2,046
    E-4$2,046
    E-5$2,181
    E-6$2,241
    E-7$2,283
    E-8$2,331
    E-9$2,424
    W-1$2,256
    W-2$2,301
    W-3$2,367
    W-4$2,445
    W-5$2,550
    O-1E$2,289
    O-2E$2,355
    O-3E$2,463
    O-1$2,196
    O-2$2,238
    O-3$2,364
    O-4$2,580
    O-5$2,736
    O-6$2,757
    O-7$2,775

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    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. $2,463 a month of BAH takes more than $2,463 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.