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 $2,031Without $1,812

    O-3 at Morgantown draws $2,031 per month with dependents in 2026, $1,812 without

    Permalinkbahratedesk.com/morgantown-wv/o-3/ExcelCSVDownloads cover this station.
    Morgantown, WV
    O-3 · with dependents
    $2,031/ month
    $24,372 / year
    At O-3, this is #280 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA WV320 · ZIPs 26501 26502 26504 26505 26506 26507 +28 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,604 / mo gross
    Without dependents here$1,812 / mo
    In government quarters, no dependents$50.10 / mo partial
    Morgantown — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,440$1,083
    E-2$1,440$1,083
    E-3$1,440$1,083
    E-4$1,440$1,083
    E-5$1,641$1,230
    E-6$1,917$1,437
    E-7$1,956$1,467
    E-8$2,001$1,701
    E-9$2,124$1,776
    Warrant officer
    W-1$1,935$1,452
    W-2$1,974$1,698
    W-3$2,034$1,788
    W-4$2,157$1,920
    W-5$2,316$1,965
    Officer — prior enlisted
    O-1E$1,962$1,638
    O-2E$2,022$1,758
    O-3E$2,184$1,908
    Officer
    O-1$1,683$1,263
    O-2$1,914$1,578
    O-3$2,031$1,812
    O-4$2,367$1,950
    O-5$2,613$1,971
    O-6$2,631$2,010
    O-7$2,646$2,043
    PCS compareMorgantown · O-3 · $2,031/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$1,041+$12,492/yr · like +$16,015 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    County Cost Group 720$2,040
    Gulfport$2,040
    Lafayette$2,040
    Peoria$2,040
    Morgantown$2,031
    Paducah$2,031
    Fort Leonard Wood$2,028
    County Cost Group 710$2,016
    St Mary And Terrebonne$2,007
    Anniston$1,686

    Morgantown is #280 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 Morgantown0 – $2,646 / month
    E-1$1,440
    E-2$1,440
    E-3$1,440
    E-4$1,440
    E-5$1,641
    E-6$1,917
    E-7$1,956
    E-8$2,001
    E-9$2,124
    W-1$1,935
    W-2$1,974
    W-3$2,034
    W-4$2,157
    W-5$2,316
    O-1E$1,962
    O-2E$2,022
    O-3E$2,184
    O-1$1,683
    O-2$1,914
    O-3$2,031
    O-4$2,367
    O-5$2,613
    O-6$2,631
    O-7$2,646

    Promoting to O-4 here adds $336 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 Morgantown to Westchester County at O-3 is worth $4,602 a month — about 14 promotions worth of housing allowance, at $336 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. $2,031 a month of BAH takes more than $2,031 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.