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-3E with dependents at Louisville draws $2,547 per month in 2026

    Permalinkbahratedesk.com/louisville-ky/o-3e/with/ExcelCSVDownloads cover this station.
    Louisville, KY
    O-3E · with dependents
    $2,547/ month
    $30,564 / year
    At O-3E, this is #198 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA KY109 · ZIPs 40010 40014 40018 40023 40025 40026 +99 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,265 / mo gross
    Other dependency status here$2,265 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Louisville — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,809$1,377
    E-2$1,809$1,377
    E-3$1,809$1,377
    E-4$1,809$1,377
    E-5$1,989$1,533
    E-6$2,274$1,704
    E-7$2,316$1,815
    E-8$2,364$2,052
    E-9$2,487$2,127
    Warrant officer
    W-1$2,292$1,758
    W-2$2,334$2,049
    W-3$2,397$2,139
    W-4$2,523$2,277
    W-5$2,679$2,325
    Officer — prior enlisted
    O-1E$2,322$1,986
    O-2E$2,385$2,109
    O-3E$2,547$2,265
    Officer
    O-1$2,031$1,626
    O-2$2,271$1,932
    O-3$2,394$2,166
    O-4$2,730$2,310
    O-5$2,973$2,331
    O-6$2,997$2,373
    O-7$3,015$2,412
    PCS compareLouisville · O-3E · $2,547/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$675+$8,100/yr · like +$10,385 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Auburn$2,556
    Lemoore NAS$2,553
    Kings Bay$2,550
    Morehead$2,550
    Louisville$2,547
    Phoenix$2,547
    Fort Worth$2,526
    Albuquerque$2,520
    Eastern Shore$2,514
    Youngstown$1,788

    Louisville is #198 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 Louisville0 – $3,015 / month
    E-1$1,809
    E-2$1,809
    E-3$1,809
    E-4$1,809
    E-5$1,989
    E-6$2,274
    E-7$2,316
    E-8$2,364
    E-9$2,487
    W-1$2,292
    W-2$2,334
    W-3$2,397
    W-4$2,523
    W-5$2,679
    O-1E$2,322
    O-2E$2,385
    O-3E$2,547
    O-1$2,031
    O-2$2,271
    O-3$2,394
    O-4$2,730
    O-5$2,973
    O-6$2,997
    O-7$3,015

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

    01

    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. $2,547 a month of BAH takes more than $2,547 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.