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 Miami draws $4,791 per month in 2026

    Permalinkbahratedesk.com/miami-fort-lauderdale-fl/o-3e/with/ExcelCSVDownloads cover this station.
    Miami/Fort Lauderdale, FL
    O-3E · with dependents
    $4,791/ month
    $57,492 / year
    At O-3E, this is #17 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA FL061 · ZIPs 33002 33004 33008 33009 33010 33011 +212 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$6,142 / mo gross
    Other dependency status here$3,780 without 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-3E · $4,791/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▼ CUT−$1,569−$18,828/yr · like −$24,138 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Monterey$5,031
    Kauai County$4,986
    Essex CO$4,887
    Camp Pendleton$4,854
    Miami$4,791
    Staten Island$4,776
    San Diego$4,770
    Los Angeles$4,767
    Portsmouth$4,704
    Youngstown$1,788

    Miami is #17 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 Miami0 – $5,862 / month
    E-1$3,459
    E-2$3,459
    E-3$3,459
    E-4$3,459
    E-5$3,660
    E-6$3,792
    E-7$4,026
    E-8$4,281
    E-9$4,656
    W-1$3,813
    W-2$4,131
    W-3$4,446
    W-4$4,737
    W-5$5,085
    O-1E$4,074
    O-2E$4,398
    O-3E$4,791
    O-1$3,687
    O-2$3,789
    O-3$4,437
    O-4$5,208
    O-5$5,763
    O-6$5,814
    O-7$5,862

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

    01

    Dependency status is worth 27% 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. $4,791 a month of BAH takes more than $4,791 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.