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 $2,859Without $2,547

    O-3E at Norfolk draws $2,859 per month with dependents in 2026, $2,547 without

    Permalinkbahratedesk.com/norfolk/o-3e/ExcelCSVDownloads cover this station.
    Norfolk/Portsmouth, VA
    O-3E · with dependents
    $2,859/ month
    $34,308 / year
    At O-3E, this is #141 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA VA298 · ZIPs 23320 23321 23322 23323 23324 23325 +61 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,665 / mo gross
    Without dependents here$2,547 / mo
    In government quarters, no dependents$50.10 / mo partial
    Norfolk — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,229$1,707
    E-2$2,229$1,707
    E-3$2,229$1,707
    E-4$2,229$1,707
    E-5$2,430$1,908
    E-6$2,559$2,043
    E-7$2,604$2,235
    E-8$2,661$2,463
    E-9$2,796$2,487
    Warrant officer
    W-1$2,574$2,166
    W-2$2,628$2,460
    W-3$2,697$2,496
    W-4$2,832$2,562
    W-5$3,000$2,616
    Officer — prior enlisted
    O-1E$2,613$2,427
    O-2E$2,685$2,481
    O-3E$2,859$2,547
    Officer
    O-1$2,454$2,022
    O-2$2,556$2,367
    O-3$2,694$2,505
    O-4$3,054$2,601
    O-5$3,318$2,625
    O-6$3,342$2,673
    O-7$3,366$2,718
    PCS compareNorfolk · O-3E · $2,859/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$363+$4,356/yr · like +$5,585 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Richmond$2,883
    Rochester$2,880
    Savannah$2,874
    County Cost Group 820$2,868
    Norfolk$2,859
    Barstow$2,856
    Houston$2,856
    Gainesville$2,850
    Salem$2,847
    Youngstown$1,788

    Norfolk is #141 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 Norfolk0 – $3,366 / month
    E-1$2,229
    E-2$2,229
    E-3$2,229
    E-4$2,229
    E-5$2,430
    E-6$2,559
    E-7$2,604
    E-8$2,661
    E-9$2,796
    W-1$2,574
    W-2$2,628
    W-3$2,697
    W-4$2,832
    W-5$3,000
    O-1E$2,613
    O-2E$2,685
    O-3E$2,859
    O-1$2,454
    O-2$2,556
    O-3$2,694
    O-4$3,054
    O-5$3,318
    O-6$3,342
    O-7$3,366

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

    01

    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. $2,859 a month of BAH takes more than $2,859 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.