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

    W-3 with dependents at Long Island draws $5,064 per month in 2026

    Permalinkbahratedesk.com/long-island-ny/w-3/with/ExcelCSVDownloads cover this station.
    Long Island, NY
    W-3 · with dependents
    $5,064/ month
    $60,768 / year
    At W-3, this is #9 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA NY218 · ZIPs 00501 00544 06390 11096 11501 11507 +178 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$6,492 / mo gross
    Other dependency status here$4,611 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Long Island — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$4,122$3,189
    E-2$4,122$3,189
    E-3$4,122$3,189
    E-4$4,122$3,189
    E-5$4,425$3,600
    E-6$4,773$3,852
    E-7$4,878$4,134
    E-8$4,992$4,500
    E-9$5,187$4,596
    Warrant officer
    W-1$4,791$4,023
    W-2$4,923$4,497
    W-3$5,064$4,611
    W-4$5,229$4,791
    W-5$5,436$4,902
    Officer — prior enlisted
    O-1E$4,896$4,422
    O-2E$5,043$4,575
    O-3E$5,262$4,764
    Officer
    O-1$4,473$3,816
    O-2$4,770$4,326
    O-3$5,061$4,644
    O-4$5,502$4,878
    O-5$5,823$4,938
    O-6$5,874$5,043
    O-7$5,922$5,136
    PCS compareLong Island · W-3 · $5,064/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▼ CUT−$1,989−$23,868/yr · like −$30,600 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    Nantucket$5,445
    Santa Clara County$5,202
    Boston$5,169
    Northern New Jersey$5,097
    Long Island$5,064
    Martha's Vineyard$5,031
    Florida Keys$4,884
    Monterey$4,842
    Hanscom AFB$4,773
    Anniston$1,689

    Long Island is #9 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 a year, untaxed.

    Every pay grade at Long Island0 – $5,922 / month
    E-1$4,122
    E-2$4,122
    E-3$4,122
    E-4$4,122
    E-5$4,425
    E-6$4,773
    E-7$4,878
    E-8$4,992
    E-9$5,187
    W-1$4,791
    W-2$4,923
    W-3$5,064
    W-4$5,229
    W-5$5,436
    O-1E$4,896
    O-2E$5,043
    O-3E$5,262
    O-1$4,473
    O-2$4,770
    O-3$5,061
    O-4$5,502
    O-5$5,823
    O-6$5,874
    O-7$5,922

    Promoting to W-4 here adds $165 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 Long Island to Westchester County at W-3 is worth $1,590 a month — about 10 promotions worth of housing allowance, at $165 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. $5,064 a month of BAH takes more than $5,064 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.