Official data current

Montgomery BAH rates

Verified · Effective 2026-01-01 · MHA AL005

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O-3 · With dependents
$1,932per month

$23,184 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #308 of 338O-3 · with dependents reference
Taxable-pay equivalent$2,477/mo Using the stated 22% comparison rate
Year-over-year change+$54/mo · +2.9%2025 $1,878 → 2026 $1,932
O-3 rate selectedMHA AL005 ZIPs 36003 36006 36008 36013 36020 36022 +65
PCS compare Montgomery · O-3 · with dep. · $1,932/mo
Montgomery $1,932/mo · $23,184/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$1,878
2026$1,932

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Montgomery — full sheet Tap a row

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month
Westchester County $6,633
County Cost Group 670 $1,959
Sault Ste Marie $1,959
Beaumont $1,956
Fort Riley $1,953
Meridian $1,953
Alexandria $1,950
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
County Cost Group 620 $1,911
Albany $1,905
Holloman AFB $1,905
County Cost Group 610 $1,902
County Cost Group 600 $1,893
County Cost Group 590 $1,881
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

The pay chart moves this allowance far less than the map does.

Moving from Montgomery to Westchester County at O-3 is worth $4,701 a month — about 13 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…