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 $3,123Without $2,784

    O-3 at JB Lewis-McChord draws $3,123 per month with dependents in 2026, $2,784 without

    Permalinkbahratedesk.com/jblm/o-3/ExcelCSVDownloads cover this station.
    Tacoma, WA
    O-3 · with dependents
    $3,123/ month
    $37,476 / year
    At O-3, this is #87 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA WA311 · ZIPs 98303 98304 98321 98323 98327 98328 +94 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,004 / mo gross
    Without dependents here$2,784 / mo
    In government quarters, no dependents$50.10 / mo partial
    JB Lewis-McChord — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,370$2,034
    E-2$2,370$2,034
    E-3$2,370$2,034
    E-4$2,370$2,034
    E-5$2,556$2,121
    E-6$2,919$2,199
    E-7$2,994$2,376
    E-8$3,072$2,634
    E-9$3,180$2,736
    Warrant officer
    W-1$2,940$2,313
    W-2$3,024$2,631
    W-3$3,126$2,751
    W-4$3,201$2,931
    W-5$3,297$3,009
    Officer — prior enlisted
    O-1E$3,006$2,553
    O-2E$3,108$2,712
    O-3E$3,216$2,913
    Officer
    O-1$2,607$2,178
    O-2$2,916$2,496
    O-3$3,123$2,784
    O-4$3,324$2,991
    O-5$3,471$3,030
    O-6$3,501$3,102
    O-7$3,525$3,156
    PCS compareJB Lewis-McChord · O-3 · $3,123/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▼ CUT−$51−$612/yr · like −$785 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Kodiak Island$3,174
    Beale AFB$3,165
    Baltimore$3,156
    Fort Myers Beach$3,129
    JB Lewis-McChord$3,123
    Whidbey Island$3,105
    County Cost Group 860$3,090
    Outer Banks$3,087
    Port Angeles$3,081
    Anniston$1,686

    JB Lewis-McChord is #87 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 JB Lewis-McChord0 – $3,525 / month
    E-1$2,370
    E-2$2,370
    E-3$2,370
    E-4$2,370
    E-5$2,556
    E-6$2,919
    E-7$2,994
    E-8$3,072
    E-9$3,180
    W-1$2,940
    W-2$3,024
    W-3$3,126
    W-4$3,201
    W-5$3,297
    O-1E$3,006
    O-2E$3,108
    O-3E$3,216
    O-1$2,607
    O-2$2,916
    O-3$3,123
    O-4$3,324
    O-5$3,471
    O-6$3,501
    O-7$3,525

    Promoting to O-4 here adds $201 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 JB Lewis-McChord to Westchester County at O-3 is worth $3,510 a month — about 17 promotions worth of housing allowance, at $201 per grade here.

    02

    Dependency status is worth 12% 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. $3,123 a month of BAH takes more than $3,123 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.