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 without dependents at Monterey draws $3,861 per month in 2026

    Permalinkbahratedesk.com/monterey-ca/o-3e/without/ExcelCSVDownloads cover this station.
    Monterey, CA
    O-3E · without dependents
    $3,861/ month
    $46,332 / year
    At O-3E, this is #28 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA CA039 · ZIPs 93901 93902 93905 93906 93907 93908 +48 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,950 / mo gross
    Other dependency status here$5,031 with dependents
    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 · $3,861/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▼ CUT−$1,128−$13,536/yr · like −$17,354 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    Trenton$3,966
    San Luis Obispo$3,942
    Honolulu County$3,903
    Seattle$3,900
    Monterey$3,861
    Hawaii County$3,828
    Marin$3,813
    Miami$3,780
    Washington$3,753
    Youngstown$1,347

    Monterey is #28 of 338. The spread between the dearest and cheapest station at this grade is $4,098 a month — $49,176 a year, untaxed.

    Every pay grade at Monterey0 – $4,908 / month
    E-1$2,493
    E-2$2,493
    E-3$2,493
    E-4$2,493
    E-5$2,844
    E-6$3,054
    E-7$3,258
    E-8$3,549
    E-9$3,717
    W-1$3,183
    W-2$3,546
    W-3$3,720
    W-4$3,951
    W-5$4,305
    O-1E$3,462
    O-2E$3,639
    O-3E$3,861
    O-1$3,030
    O-2$3,396
    O-3$3,723
    O-4$4,245
    O-5$4,464
    O-6$4,821
    O-7$4,908

    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. $3,861 a month of BAH takes more than $3,861 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.