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 $2,310Without $2,103

    O-3 at Kansas City draws $2,310 per month with dependents in 2026, $2,103 without

    Permalinkbahratedesk.com/kansas-city-mo/o-3/ExcelCSVDownloads cover this station.
    Kansas City, MO
    O-3 · with dependents
    $2,310/ month
    $27,720 / year
    At O-3, this is #221 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA MO160 · ZIPs 64002 64012 64013 64014 64015 64016 +163 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,962 / mo gross
    Without dependents here$2,103 / mo
    In government quarters, no dependents$50.10 / mo partial
    Kansas City — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,845$1,419
    E-2$1,845$1,419
    E-3$1,845$1,419
    E-4$1,845$1,419
    E-5$1,986$1,596
    E-6$2,175$1,713
    E-7$2,223$1,848
    E-8$2,277$2,031
    E-9$2,397$2,076
    Warrant officer
    W-1$2,190$1,806
    W-2$2,244$2,028
    W-3$2,313$2,085
    W-4$2,430$2,178
    W-5$2,574$2,232
    Officer — prior enlisted
    O-1E$2,229$1,983
    O-2E$2,301$2,064
    O-3E$2,451$2,163
    Officer
    O-1$2,019$1,701
    O-2$2,172$1,944
    O-3$2,310$2,103
    O-4$2,622$2,217
    O-5$2,847$2,241
    O-6$2,868$2,289
    O-7$2,889$2,328
    PCS compareKansas City · O-3 · $2,310/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$762+$9,144/yr · like +$11,723 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Fort Hood$2,340
    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
    Anniston$1,686

    Kansas City is #221 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 Kansas City0 – $2,889 / month
    E-1$1,845
    E-2$1,845
    E-3$1,845
    E-4$1,845
    E-5$1,986
    E-6$2,175
    E-7$2,223
    E-8$2,277
    E-9$2,397
    W-1$2,190
    W-2$2,244
    W-3$2,313
    W-4$2,430
    W-5$2,574
    O-1E$2,229
    O-2E$2,301
    O-3E$2,451
    O-1$2,019
    O-2$2,172
    O-3$2,310
    O-4$2,622
    O-5$2,847
    O-6$2,868
    O-7$2,889

    Promoting to O-4 here adds $312 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 Kansas City to Westchester County at O-3 is worth $4,323 a month — about 14 promotions worth of housing allowance, at $312 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. $2,310 a month of BAH takes more than $2,310 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.