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
    With $2,202Without $2,001

    O-3 at Mobile draws $2,202 per month with dependents in 2026, $2,001 without

    Permalinkbahratedesk.com/mobile-al/o-3/ExcelCSVDownloads cover this station.
    Mobile, AL
    O-3 · with dependents
    $2,202/ month
    $26,424 / year
    At O-3, this is #245 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA AL004 · ZIPs 36505 36507 36509 36511 36512 36521 +72 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,823 / mo gross
    Without dependents here$2,001 / mo
    In government quarters, no dependents$50.10 / mo partial
    Mobile — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,731$1,302
    E-2$1,731$1,302
    E-3$1,731$1,302
    E-4$1,731$1,302
    E-5$1,887$1,473
    E-6$2,073$1,587
    E-7$2,118$1,734
    E-8$2,169$1,929
    E-9$2,286$1,974
    Warrant officer
    W-1$2,091$1,689
    W-2$2,139$1,926
    W-3$2,205$1,983
    W-4$2,319$2,076
    W-5$2,463$2,127
    Officer — prior enlisted
    O-1E$2,124$1,884
    O-2E$2,193$1,965
    O-3E$2,340$2,064
    Officer
    O-1$1,917$1,572
    O-2$2,070$1,839
    O-3$2,202$2,001
    O-4$2,508$2,112
    O-5$2,730$2,136
    O-6$2,751$2,181
    O-7$2,766$2,217
    PCS compareMobile · O-3 · $2,202/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$870+$10,440/yr · like +$13,385 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Fort Wayne$2,205
    Greenville$2,205
    Lexington$2,205
    Fort Bliss$2,202
    Mobile$2,202
    Davis-Monthan AFB$2,199
    Grand Forks$2,199
    Robins AFB$2,199
    Toledo$2,199
    Anniston$1,686

    Mobile is #245 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 a year, untaxed.

    Every pay grade at Mobile0 – $2,766 / month
    E-1$1,731
    E-2$1,731
    E-3$1,731
    E-4$1,731
    E-5$1,887
    E-6$2,073
    E-7$2,118
    E-8$2,169
    E-9$2,286
    W-1$2,091
    W-2$2,139
    W-3$2,205
    W-4$2,319
    W-5$2,463
    O-1E$2,124
    O-2E$2,193
    O-3E$2,340
    O-1$1,917
    O-2$2,070
    O-3$2,202
    O-4$2,508
    O-5$2,730
    O-6$2,751
    O-7$2,766

    Promoting to O-4 here adds $306 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 Mobile to Westchester County at O-3 is worth $4,431 a month — about 14 promotions worth of housing allowance, at $306 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. $2,202 a month of BAH takes more than $2,202 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.