What is O-3 BAH at Oklahoma City in 2026?

$1,974 per month with dependents ($23,688 per year), effective 01 JAN 2026. Without dependents it is $1,773 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 Oklahoma City 2026 — $1,974 with dependents, $1,773 without

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

Oklahoma City, OK

O-3 · with dependents

$1,974/ month

$23,688 / year

At O-3, this is #295 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA OK239 · ZIPs 73003 73007 73008 73012 73013 73014 +101 more

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Untaxed — matching it with taxable pay takes$2,531 / mo gross

Without dependents here$1,773 / mo

In government quarters, no dependents$50.10 / mo partial

Oklahoma City — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,542	$1,248
E-2	$1,542	$1,248
E-3	$1,542	$1,248
E-4	$1,542	$1,248
E-5	$1,644	$1,365
E-6	$1,854	$1,443
E-7	$1,896	$1,542
E-8	$1,944	$1,692
E-9	$2,034	$1,743
Warrant officer
W-1	$1,869	$1,518
W-2	$1,914	$1,689
W-3	$1,977	$1,752
W-4	$2,055	$1,854
W-5	$2,157	$1,905
Officer — prior enlisted
O-1E	$1,902	$1,641
O-2E	$1,965	$1,731
O-3E	$2,070	$1,842
Officer
O-1	$1,677	$1,434
O-2	$1,851	$1,614
O-3	$1,974	$1,773
O-4	$2,184	$1,890
O-5	$2,337	$1,911
O-6	$2,355	$1,953
O-7	$2,367	$1,986

What this rate means

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

Westchester County$6,633

County Cost Group 690$1,980

Akron$1,977

Lake Charles$1,977

Little Rock$1,974

Oklahoma City$1,974

County Cost Group 680$1,968

Fort Chaffee$1,962

County Cost Group 670$1,959

Sault Ste Marie$1,959

Anniston$1,686

Oklahoma City is #295 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 Oklahoma City0 – $2,367 / month

E-1$1,542

E-2$1,542

E-3$1,542

E-4$1,542

E-5$1,644

E-6$1,854

E-7$1,896

E-8$1,944

E-9$2,034

W-1$1,869

W-2$1,914

W-3$1,977

W-4$2,055

W-5$2,157

O-1E$1,902

O-2E$1,965

O-3E$2,070

O-1$1,677

O-2$1,851

O-3$1,974

O-4$2,184

O-5$2,337

O-6$2,355

O-7$2,367

Promoting to O-4 here adds $210 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 Oklahoma City to Westchester County at O-3 is worth $4,659 a month — about 22 promotions worth of housing allowance, at $210 per grade here.

Dependency status is worth 11% 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. $1,974 a month of BAH takes more than $1,974 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 Oklahoma City draws $1,974 per month with dependents in 2026, $1,773 without

What this rate means

Things the rate table doesn't tell you