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 Nantucket draws $5,121 per month in 2026

    Permalinkbahratedesk.com/nantucket-ma/o-3e/without/ExcelCSVDownloads cover this station.
    Nantucket, MA
    O-3E · without dependents
    $5,121/ month
    $61,452 / year
    At O-3E, this is #3 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA MA119 · ZIPs 02554 02564 02584
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$6,565 / mo gross
    Other dependency status here$5,832 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Nantucket — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$4,218$3,231
    E-2$4,218$3,231
    E-3$4,218$3,231
    E-4$4,218$3,231
    E-5$4,344$3,798
    E-6$5,127$4,101
    E-7$5,241$4,221
    E-8$5,364$4,500
    E-9$5,682$4,737
    Warrant officer
    W-1$5,148$4,188
    W-2$5,292$4,497
    W-3$5,445$4,764
    W-4$5,772$5,151
    W-5$6,165$5,268
    Officer — prior enlisted
    O-1E$5,262$4,341
    O-2E$5,421$4,686
    O-3E$5,832$5,121
    Officer
    O-1$4,440$4,089
    O-2$5,115$4,305
    O-3$5,442$4,842
    O-4$6,306$5,244
    O-5$6,933$5,310
    O-6$6,993$5,424
    O-7$7,053$5,523
    PCS compareNantucket · O-3E · $5,121/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▼ CUT−$2,388−$28,656/yr · like −$36,738 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    Westchester County$5,361
    Nantucket$5,121
    New York City$5,115
    Northern New Jersey$5,043
    Santa Clara County$4,971
    Boston$4,818
    Youngstown$1,347

    Nantucket is #3 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 Nantucket0 – $5,523 / month
    E-1$3,231
    E-2$3,231
    E-3$3,231
    E-4$3,231
    E-5$3,798
    E-6$4,101
    E-7$4,221
    E-8$4,500
    E-9$4,737
    W-1$4,188
    W-2$4,497
    W-3$4,764
    W-4$5,151
    W-5$5,268
    O-1E$4,341
    O-2E$4,686
    O-3E$5,121
    O-1$4,089
    O-2$4,305
    O-3$4,842
    O-4$5,244
    O-5$5,310
    O-6$5,424
    O-7$5,523

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 14% 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. $5,121 a month of BAH takes more than $5,121 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.