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 $1,932Without $1,725

    O-3 at Montgomery draws $1,932 per month with dependents in 2026, $1,725 without

    Permalinkbahratedesk.com/montgomery-al/o-3/ExcelCSVDownloads cover this station.
    Montgomery, AL
    O-3 · with dependents
    $1,932/ month
    $23,184 / year
    At O-3, this is #308 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA AL005 · ZIPs 36003 36006 36008 36013 36020 36022 +65 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,477 / mo gross
    Without dependents here$1,725 / mo
    In government quarters, no dependents$50.10 / mo partial
    Montgomery — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,605$1,269
    E-2$1,605$1,269
    E-3$1,605$1,269
    E-4$1,605$1,269
    E-5$1,683$1,431
    E-6$1,758$1,527
    E-7$1,818$1,605
    E-8$1,887$1,704
    E-9$2,034$1,713
    Warrant officer
    W-1$1,773$1,590
    W-2$1,845$1,701
    W-3$1,935$1,719
    W-4$2,073$1,764
    W-5$2,244$1,833
    Officer — prior enlisted
    O-1E$1,827$1,680
    O-2E$1,920$1,710
    O-3E$2,100$1,746
    Officer
    O-1$1,701$1,524
    O-2$1,755$1,662
    O-3$1,932$1,725
    O-4$2,298$1,815
    O-5$2,565$1,923
    O-6$2,583$1,938
    O-7$2,598$1,950
    PCS compareMontgomery · O-3 · $1,932/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$1,140+$13,680/yr · like +$17,538 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    County Cost Group 660$1,944
    Fort Polk$1,938
    Wichita$1,938
    County Cost Group 650$1,935
    Montgomery$1,932
    County Cost Group 640$1,926
    Sparta$1,923
    County Cost Group 630$1,917
    Huntington$1,917
    Anniston$1,686

    Montgomery is #308 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 Montgomery0 – $2,598 / month
    E-1$1,605
    E-2$1,605
    E-3$1,605
    E-4$1,605
    E-5$1,683
    E-6$1,758
    E-7$1,818
    E-8$1,887
    E-9$2,034
    W-1$1,773
    W-2$1,845
    W-3$1,935
    W-4$2,073
    W-5$2,244
    O-1E$1,827
    O-2E$1,920
    O-3E$2,100
    O-1$1,701
    O-2$1,755
    O-3$1,932
    O-4$2,298
    O-5$2,565
    O-6$2,583
    O-7$2,598

    Promoting to O-4 here adds $366 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 Montgomery to Westchester County at O-3 is worth $4,701 a month — about 13 promotions worth of housing allowance, at $366 per grade here.

    02

    Dependency status is worth 12% 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. $1,932 a month of BAH takes more than $1,932 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.