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 with dependents at New York City draws $5,949 per month in 2026

    Permalinkbahratedesk.com/new-york-city-ny/o-3e/with/ExcelCSVDownloads cover this station.
    New York City, NY
    O-3E · with dependents
    $5,949/ month
    $71,388 / year
    At O-3E, this is #3 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA NY219 · ZIPs 10001 10002 10003 10004 10005 10006 +302 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$7,627 / mo gross
    Other dependency status here$5,115 without dependents
    In government quarters, no dependents$50.10 / mo partial
    New York City — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$5,067$4,833
    E-2$5,067$4,833
    E-3$5,067$4,833
    E-4$5,067$4,833
    E-5$5,070$4,980
    E-6$5,097$5,070
    E-7$5,238$5,088
    E-8$5,418$5,100
    E-9$5,790$5,106
    Warrant officer
    W-1$5,100$5,085
    W-2$5,313$5,097
    W-3$5,535$5,109
    W-4$5,883$5,118
    W-5$6,306$5,280
    Officer — prior enlisted
    O-1E$5,271$5,094
    O-2E$5,502$5,103
    O-3E$5,949$5,115
    Officer
    O-1$5,073$5,067
    O-2$5,094$5,091
    O-3$5,529$5,112
    O-4$6,459$5,247
    O-5$7,128$5,346
    O-6$7,194$5,514
    O-7$7,254$5,616
    PCS compareNew York City · O-3E · $5,949/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▼ CUT−$2,727−$32,724/yr · like −$41,954 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    San Francisco$5,955
    New York City$5,949
    Nantucket$5,832
    Maui County$5,793
    Boston$5,511
    Santa Clara County$5,496
    Youngstown$1,788

    New York City is #3 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 a year, untaxed.

    Every pay grade at New York City0 – $7,254 / month
    E-1$5,067
    E-2$5,067
    E-3$5,067
    E-4$5,067
    E-5$5,070
    E-6$5,097
    E-7$5,238
    E-8$5,418
    E-9$5,790
    W-1$5,100
    W-2$5,313
    W-3$5,535
    W-4$5,883
    W-5$6,306
    O-1E$5,271
    O-2E$5,502
    O-3E$5,949
    O-1$5,073
    O-2$5,094
    O-3$5,529
    O-4$6,459
    O-5$7,128
    O-6$7,194
    O-7$7,254

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

    01

    Dependency status is worth 16% 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. $5,949 a month of BAH takes more than $5,949 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.