O-3 without dependents, nearest stations0 – $5,331 / month
San Francisco$5,331
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
Youngstown$1,344
Lubbock is #288 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 Lubbock0 – $1,995 / month
E-1$1,146
E-2$1,146
E-3$1,146
E-4$1,146
E-5$1,272
E-6$1,356
E-7$1,413
E-8$1,548
E-9$1,641
W-1$1,407
W-2$1,545
W-3$1,656
W-4$1,821
W-5$1,887
O-1E$1,473
O-2E$1,620
O-3E$1,803
O-1$1,350
O-2$1,461
O-3$1,689
O-4$1,869
O-5$1,953
O-6$1,968
O-7$1,995
Promoting to O-4 here adds $180 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 Lubbock to San Francisco at O-3 is worth $3,642 a month — about 20 promotions worth of housing allowance, at $180 per grade here.
02
Dependency status is worth 17% 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. $1,689 a month of BAH takes more than $1,689 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.