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 $5,031Without $3,861

    O-3E at Monterey draws $5,031 per month with dependents in 2026, $3,861 without

    Permalinkbahratedesk.com/monterey-ca/o-3e/ExcelCSVDownloads cover this station.
    Monterey, CA
    O-3E · with dependents
    $5,031/ month
    $60,372 / year
    At O-3E, this is #13 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA CA039 · ZIPs 93901 93902 93905 93906 93907 93908 +48 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$6,450 / mo gross
    Without dependents here$3,861 / mo
    In government quarters, no dependents$50.10 / mo partial
    Monterey — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,249$2,493
    E-2$3,249$2,493
    E-3$3,249$2,493
    E-4$3,249$2,493
    E-5$3,465$2,844
    E-6$3,867$3,054
    E-7$4,218$3,258
    E-8$4,599$3,549
    E-9$4,956$3,717
    Warrant officer
    W-1$3,894$3,183
    W-2$4,374$3,546
    W-3$4,842$3,720
    W-4$5,001$3,951
    W-5$5,196$4,305
    Officer — prior enlisted
    O-1E$4,293$3,462
    O-2E$4,773$3,639
    O-3E$5,031$3,861
    Officer
    O-1$3,519$3,030
    O-2$3,864$3,396
    O-3$4,824$3,723
    O-4$5,259$4,245
    O-5$5,565$4,464
    O-6$5,613$4,821
    O-7$5,658$4,908
    PCS compareMonterey · O-3E · $5,031/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▼ CUT−$1,809−$21,708/yr · like −$27,831 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Long Island$5,262
    Florida Keys$5,232
    Martha's Vineyard$5,193
    Hanscom AFB$5,115
    Monterey$5,031
    Kauai County$4,986
    Essex CO$4,887
    Camp Pendleton$4,854
    Miami$4,791
    Youngstown$1,788

    Monterey is #13 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 Monterey0 – $5,658 / month
    E-1$3,249
    E-2$3,249
    E-3$3,249
    E-4$3,249
    E-5$3,465
    E-6$3,867
    E-7$4,218
    E-8$4,599
    E-9$4,956
    W-1$3,894
    W-2$4,374
    W-3$4,842
    W-4$5,001
    W-5$5,196
    O-1E$4,293
    O-2E$4,773
    O-3E$5,031
    O-1$3,519
    O-2$3,864
    O-3$4,824
    O-4$5,259
    O-5$5,565
    O-6$5,613
    O-7$5,658

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

    01

    Dependency status is worth 30% 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. $5,031 a month of BAH takes more than $5,031 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.