What is O-3 BAH at Myrtle Beach in 2026?

$2,523 per month with dependents ($30,276 per year), effective 01 JAN 2026. Without dependents it is $2,262 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Myrtle Beach 2026 — $2,523 with dependents, $2,262 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Myrtle Beach, SC

O-3 · with dependents

$2,523/ month

$30,276 / year

At O-3, this is #171 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA SC262 · ZIPs 29440 29442 29510 29511 29519 29526 +32 more

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Untaxed — matching it with taxable pay takes$3,235 / mo gross

Without dependents here$2,262 / mo

In government quarters, no dependents$50.10 / mo partial

Myrtle Beach — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,989	$1,647
E-2	$1,989	$1,647
E-3	$1,989	$1,647
E-4	$1,989	$1,647
E-5	$2,097	$1,788
E-6	$2,361	$1,881
E-7	$2,418	$1,989
E-8	$2,481	$2,157
E-9	$2,598	$2,226
Warrant officer
W-1	$2,379	$1,962
W-2	$2,445	$2,154
W-3	$2,526	$2,238
W-4	$2,625	$2,370
W-5	$2,751	$2,433
Officer — prior enlisted
O-1E	$2,427	$2,094
O-2E	$2,511	$2,211
O-3E	$2,643	$2,352
Officer
O-1	$2,136	$1,875
O-2	$2,358	$2,064
O-3	$2,523	$2,262
O-4	$2,787	$2,415
O-5	$2,982	$2,445
O-6	$3,006	$2,502
O-7	$3,027	$2,544

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

Grand Haven$2,553

New Orleans$2,553

Dahlonega$2,550

Provo$2,529

Myrtle Beach$2,523

Chattanooga$2,520

Durham$2,517

Bangor$2,514

Battle Creek$2,514

Anniston$1,686

Myrtle Beach is #171 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 Myrtle Beach0 – $3,027 / month

E-1$1,989

E-2$1,989

E-3$1,989

E-4$1,989

E-5$2,097

E-6$2,361

E-7$2,418

E-8$2,481

E-9$2,598

W-1$2,379

W-2$2,445

W-3$2,526

W-4$2,625

W-5$2,751

O-1E$2,427

O-2E$2,511

O-3E$2,643

O-1$2,136

O-2$2,358

O-3$2,523

O-4$2,787

O-5$2,982

O-6$3,006

O-7$3,027

Promoting to O-4 here adds $264 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Myrtle Beach to Westchester County at O-3 is worth $4,110 a month — about 16 promotions worth of housing allowance, at $264 per grade here.

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.

None of it is taxed. $2,523 a month of BAH takes more than $2,523 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-3 at Myrtle Beach draws $2,523 per month with dependents in 2026, $2,262 without

What this rate means

Things the rate table doesn't tell you