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
    WithWithout

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

    Permalinkbahratedesk.com/kansas-city-mo/o-3/without/ExcelCSVDownloads cover this station.
    Kansas City, MO
    O-3 · without dependents
    $2,103/ month
    $25,236 / year
    At O-3, this is #196 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA MO160 · ZIPs 64002 64012 64013 64014 64015 64016 +163 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,696 / mo gross
    Other dependency status here$2,310 with dependents
    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 · $2,103/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$540+$6,480/yr · like +$8,308 of salary

    What this rate means

    O-3 without dependents, every station0 – $5,331 / month
    San Francisco$5,331
    Westchester County$5,169
    New York City$5,112
    Northern New Jersey$4,938
    Santa Clara County$4,860
    Nantucket$4,842
    Boston$4,815
    Long Island$4,644
    Maui County$4,608
    Hanscom AFB$4,371
    Martha's Vineyard$4,371
    San Diego$4,248
    Camp Pendleton$4,239
    Kauai County$4,095
    Los Angeles$4,074
    Staten Island$4,038
    Florida Keys$4,017
    Oakland$3,981
    Cape Cod-Plymouth$3,966
    Fort Monmouth$3,888
    West Point$3,882
    Ventura$3,834
    Perth Amboy$3,825
    Honolulu County$3,819
    Trenton$3,786
    Hawaii County$3,744
    Miami$3,738
    Monterey$3,723
    San Luis Obispo$3,675
    Essex CO$3,642
    Marin$3,630
    Seattle$3,627
    Chicago$3,603
    Portsmouth$3,555
    West Palm Beach$3,534
    Washington$3,531
    Vandenberg SFB$3,528
    Burlington$3,516
    New Haven$3,483
    Riverside$3,471
    Portland$3,456
    Vallejo$3,444
    Manchester$3,396
    County Cost Group 890$3,387
    Providence$3,357
    San Bernardino$3,339
    Fitchburg$3,330
    Indian Head Navordsta$3,327
    Warrenton$3,261
    Santa Fe$3,249
    Newport$3,231
    Willow Grove$3,228
    JB McGuire-Dix-Lakehurst$3,219
    Worcester$3,219
    Hartford$3,174
    Fort G. G. Meade$3,138
    Boulder$3,129
    Annapolis$3,114
    Quantico$3,090
    County Cost Group 880$3,072
    Beale AFB$3,066
    Everett$3,063
    Atlantic City$3,060
    Juneau$3,060
    Denver$2,979
    Edwards AFB$2,976
    Cape May$2,955
    Sacramento$2,943
    Fort Detrick$2,922
    Tampa$2,919
    New London$2,892
    Ann Arbor$2,889
    Sitka$2,886
    County Cost Group 870$2,871
    Philadelphia$2,871
    Brunswick$2,856
    Orlando$2,847
    Fort Myers Beach$2,835
    Outer Banks$2,820
    Madison$2,799
    Baltimore$2,793
    Stockton$2,793
    JB Lewis-McChord$2,784
    Ballston Spa$2,775
    Fort Pierce$2,772
    Ketchikan$2,772
    Patrick SFB$2,742
    Port Angeles$2,706
    County Cost Group 860$2,703
    Kodiak Island$2,694
    Minneapolis$2,688
    Fresno$2,685
    Dallas$2,682
    Hampden County$2,682
    Oxford$2,679
    Austin$2,676
    Allentown$2,670
    Beaufort$2,661
    Milwaukee$2,658
    Aberdeen Proving Grounds$2,643
    JB Elmendorf-Richardson$2,643
    Great Lakes Navtracen$2,637
    County Cost Group 850$2,619
    Portland$2,616
    Bremerton$2,595
    Corvallis$2,592
    Eglin AFB$2,592
    Atlanta$2,589
    Charlottesville$2,589
    Reno$2,571
    St. Louis$2,571
    Dahlgren$2,568
    Savannah$2,562
    Bridgeport$2,541
    Elizabeth City$2,538
    Traverse City$2,535
    County Cost Group 840$2,532
    Charleston$2,529
    Astoria$2,526
    Richmond$2,526
    Nashville$2,523
    Coastal Maine$2,514
    Rome$2,508
    Norfolk$2,505
    Detroit$2,499
    Whidbey Island$2,499
    Birmingham$2,490
    Patuxent River$2,490
    Pittsburgh$2,484
    Knoxville$2,481
    Abilene$2,475
    County Cost Group 830$2,457
    Asheville$2,439
    Cincinnati$2,433
    Fort Collins$2,433
    Buffalo$2,427
    Spokane$2,418
    Volusia County$2,415
    Dover AFB$2,409
    Rochester$2,403
    Dahlonega$2,400
    Fort Carson$2,397
    Houston$2,397
    Ocala$2,394
    Phoenix$2,391
    Fort Stewart$2,385
    Eugene$2,370
    Grand Haven$2,370
    County Cost Group 820$2,367
    Hampton$2,361
    Twenty Nine Palms MCB$2,343
    Charlotte$2,337
    Panama City$2,337
    Wilmington$2,334
    Fort Worth$2,310
    Grand Rapids$2,307
    Fairbanks$2,301
    Helena$2,298
    Durham$2,289
    Albuquerque$2,280
    Barstow$2,274
    Salt Lake City$2,271
    County Cost Group 810$2,268
    Omaha$2,268
    Carlisle Barracks$2,265
    Cleveland$2,265
    Myrtle Beach$2,262
    Syracuse$2,262
    Memphis$2,253
    Salem$2,253
    Chattanooga$2,247
    Eastern Shore$2,238
    Gainesville$2,238
    Duluth$2,232
    Raleigh$2,232
    Battle Creek$2,220
    Lemoore NAS$2,220
    Yakima$2,214
    Jacksonville$2,211
    New Orleans$2,202
    Humboldt County$2,193
    Ogden$2,181
    Eastern Panhandle$2,178
    Louisville$2,166
    County Cost Group 800$2,163
    College Station$2,160
    Provo$2,160
    Kings Bay$2,157
    Nellis AFB$2,151
    Boise$2,148
    Rapid City$2,124
    Rock Island$2,118
    Toledo$2,112
    Fargo$2,106
    Columbus$2,103
    Kansas City$2,103
    Pensacola$2,097
    State College$2,097
    County Cost Group 790$2,091
    Coos Bay$2,085
    El Centro$2,085
    Indianapolis$2,085
    Baton Rouge$2,076
    Jackson$2,070
    Corpus Christi$2,061
    Fort Gordon$2,058
    Fort Wayne$2,058
    Des Moines$2,049
    Lexington$2,049
    Davis-Monthan AFB$2,037
    Columbia$2,028
    Fort Bliss$2,022
    Fort Huachuca$2,019
    Greenville$2,019
    County Cost Group 780$2,013
    Fort Leavenworth$2,013
    Roanoke$2,013
    Cheyenne$2,010
    Tallahassee$2,010
    San Antonio (JBSA)$2,007
    Mobile$2,001
    Fort Campbell$1,995
    Greensboro$1,995
    Lincoln$1,992
    Bangor$1,989
    Bismarck$1,980
    Mountain Home AFB$1,977
    Huntsville$1,974
    Morehead$1,971
    Waco$1,971
    Fort Bragg$1,956
    Fort Knox$1,956
    Shreveport$1,956
    Bloomington$1,953
    County Cost Group 770$1,950
    Fayetteville$1,944
    Marquette$1,935
    Johnson City$1,914
    Lansing$1,914
    Fort Drum$1,902
    Grand Forks$1,902
    Little Rock$1,902
    Wichita Fls$1,887
    Auburn$1,884
    County Cost Group 760$1,878
    Fort Benning$1,878
    Sioux Falls$1,854
    Robins AFB$1,842
    White Sands MR$1,842
    County Cost Group 750$1,833
    Fort Hood$1,833
    Scott AFB$1,830
    Tulsa$1,830
    Lexington$1,827
    Wilkes-Barre$1,827
    Minot AFB$1,824
    Champaign$1,818
    Morgantown$1,812
    Whiteman AFB$1,812
    Camp Lejeune$1,809
    Akron$1,797
    Seymour Johnson AFB$1,794
    Fallon NAS$1,785
    Sumter$1,785
    Yuma$1,785
    County Cost Group 740$1,782
    Columbus AFB$1,779
    Sault Ste Marie$1,779
    Topeka$1,776
    Moody AFB$1,773
    Oklahoma City$1,773
    Wright-Patterson AFB$1,773
    Beaumont$1,770
    Fort Rucker$1,767
    Malmstrom SFB$1,767
    Holloman AFB$1,764
    Peoria$1,752
    County Cost Group 730$1,749
    Lafayette$1,746
    Goodfellow AFB$1,740
    Brownsville$1,728
    County Cost Group 720$1,725
    Montgomery$1,725
    Springfield$1,713
    County Cost Group 710$1,704
    Terre Haute$1,701
    China Lake$1,689
    Lubbock$1,689
    Paducah$1,689
    County Cost Group 700$1,686
    Huntington$1,686
    Laughlin AFB$1,686
    Springfield$1,686
    Sparta$1,680
    County Cost Group 690$1,671
    Frankfort$1,665
    County Cost Group 680$1,659
    Columbia$1,656
    Saginaw$1,656
    County Cost Group 670$1,650
    St Mary And Terrebonne$1,647
    County Cost Group 660$1,638
    Charleston$1,632
    County Cost Group 650$1,629
    Fort Leonard Wood$1,629
    County Cost Group 640$1,623
    Gulfport$1,623
    County Cost Group 630$1,614
    Fort Polk$1,611
    Fort Riley$1,611
    County Cost Group 620$1,605
    County Cost Group 610$1,599
    Erie$1,596
    County Cost Group 600$1,593
    County Cost Group 590$1,581
    Stevens Point$1,572
    Wichita$1,572
    County Cost Group 580$1,569
    County Cost Group 570$1,557
    Lake Charles$1,551
    County Cost Group 560$1,548
    County Cost Group 550$1,539
    Alexandria$1,536
    County Cost Group 540$1,530
    Fort Chaffee$1,527
    Meridian$1,527
    County Cost Group 530$1,524
    County Cost Group 520$1,518
    Albany$1,515
    County Cost Group 510$1,515
    Cannon AFB$1,506
    Hattiesburg$1,470
    Monroe$1,470
    Altus AFB$1,449
    Vance AFB$1,443
    Fort Sill$1,395
    Anniston$1,377
    Youngstown$1,344

    Kansas City is #196 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at Kansas City0 – $2,328 / month
    E-1$1,419
    E-2$1,419
    E-3$1,419
    E-4$1,419
    E-5$1,596
    E-6$1,713
    E-7$1,848
    E-8$2,031
    E-9$2,076
    W-1$1,806
    W-2$2,028
    W-3$2,085
    W-4$2,178
    W-5$2,232
    O-1E$1,983
    O-2E$2,064
    O-3E$2,163
    O-1$1,701
    O-2$1,944
    O-3$2,103
    O-4$2,217
    O-5$2,241
    O-6$2,289
    O-7$2,328

    Promoting to O-4 here adds $114 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 San Francisco at O-3 is worth $3,228 a month — about 28 promotions worth of housing allowance, at $114 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. $2,103 a month of BAH takes more than $2,103 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.