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 Miami draws $3,738 per month in 2026

    Permalinkbahratedesk.com/miami-fort-lauderdale-fl/o-3/without/ExcelCSVDownloads cover this station.
    Miami/Fort Lauderdale, FL
    O-3 · without dependents
    $3,738/ month
    $44,856 / year
    At O-3, this is #27 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA FL061 · ZIPs 33002 33004 33008 33009 33010 33011 +212 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,792 / mo gross
    Other dependency status here$4,437 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Miami — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,459$2,661
    E-2$3,459$2,661
    E-3$3,459$2,661
    E-4$3,459$2,661
    E-5$3,660$3,048
    E-6$3,792$3,273
    E-7$4,026$3,465
    E-8$4,281$3,693
    E-9$4,656$3,720
    Warrant officer
    W-1$3,813$3,399
    W-2$4,131$3,690
    W-3$4,446$3,729
    W-4$4,737$3,840
    W-5$5,085$4,083
    Officer — prior enlisted
    O-1E$4,074$3,657
    O-2E$4,398$3,714
    O-3E$4,791$3,780
    Officer
    O-1$3,687$3,252
    O-2$3,789$3,597
    O-3$4,437$3,738
    O-4$5,208$4,041
    O-5$5,763$4,323
    O-6$5,814$4,425
    O-7$5,862$4,506
    PCS compareMiami · O-3 · $3,738/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$1,095−$13,140/yr · like −$16,846 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    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
    Youngstown$1,344

    Miami is #27 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 Miami0 – $4,506 / month
    E-1$2,661
    E-2$2,661
    E-3$2,661
    E-4$2,661
    E-5$3,048
    E-6$3,273
    E-7$3,465
    E-8$3,693
    E-9$3,720
    W-1$3,399
    W-2$3,690
    W-3$3,729
    W-4$3,840
    W-5$4,083
    O-1E$3,657
    O-2E$3,714
    O-3E$3,780
    O-1$3,252
    O-2$3,597
    O-3$3,738
    O-4$4,041
    O-5$4,323
    O-6$4,425
    O-7$4,506

    Promoting to O-4 here adds $303 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 Miami to San Francisco at O-3 is worth $1,593 a month — about 5 promotions worth of housing allowance, at $303 per grade here.

    02

    Dependency status is worth 19% 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. $3,738 a month of BAH takes more than $3,738 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.