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 $4,362Without $3,981

    O-3 at Oakland draws $4,362 per month with dependents in 2026, $3,981 without

    Permalinkbahratedesk.com/oakland-ca/o-3/ExcelCSVDownloads cover this station.
    Oakland, CA
    O-3 · with dependents
    $4,362/ month
    $52,344 / year
    At O-3, this is #25 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA CA018 · ZIPs 94501 94502 94505 94506 94507 94509 +115 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$5,592 / mo gross
    Without dependents here$3,981 / mo
    In government quarters, no dependents$50.10 / mo partial
    Oakland — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,471$2,667
    E-2$3,471$2,667
    E-3$3,471$2,667
    E-4$3,471$2,667
    E-5$3,759$3,000
    E-6$4,113$3,213
    E-7$4,203$3,483
    E-8$4,299$3,834
    E-9$4,488$3,933
    Warrant officer
    W-1$4,134$3,378
    W-2$4,242$3,831
    W-3$4,365$3,948
    W-4$4,533$4,131
    W-5$4,740$4,224
    Officer — prior enlisted
    O-1E$4,218$3,756
    O-2E$4,344$3,912
    O-3E$4,566$4,107
    Officer
    O-1$3,807$3,180
    O-2$4,110$3,666
    O-3$4,362$3,981
    O-4$4,809$4,203
    O-5$5,133$4,254
    O-6$5,178$4,341
    O-7$5,220$4,419
    PCS compareOakland · O-3 · $4,362/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▼ CUT−$1,290−$15,480/yr · like −$19,846 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Miami$4,437
    Honolulu County$4,428
    Cape Cod-Plymouth$4,419
    West Point$4,380
    Oakland$4,362
    Trenton$4,362
    Fort Monmouth$4,332
    Portland$4,260
    Perth Amboy$4,239
    Anniston$1,686

    Oakland is #25 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 Oakland0 – $5,220 / month
    E-1$3,471
    E-2$3,471
    E-3$3,471
    E-4$3,471
    E-5$3,759
    E-6$4,113
    E-7$4,203
    E-8$4,299
    E-9$4,488
    W-1$4,134
    W-2$4,242
    W-3$4,365
    W-4$4,533
    W-5$4,740
    O-1E$4,218
    O-2E$4,344
    O-3E$4,566
    O-1$3,807
    O-2$4,110
    O-3$4,362
    O-4$4,809
    O-5$5,133
    O-6$5,178
    O-7$5,220

    Promoting to O-4 here adds $447 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 Oakland to Westchester County at O-3 is worth $2,271 a month — about 5 promotions worth of housing allowance, at $447 per grade here.

    02

    Dependency status is worth 10% 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. $4,362 a month of BAH takes more than $4,362 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.