What is O-3 BAH at Oxford in 2026?

$2,985 per month with dependents ($35,820 per year), effective 01 JAN 2026. Without dependents it is $2,679 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 Oxford 2026 — $2,985 with dependents, $2,679 without

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

Oxford, MD

O-3 · with dependents

$2,985/ month

$35,820 / year

At O-3, this is #106 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA MD458 · ZIPs 21601 21607 21609 21610 21612 21613 +58 more

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Untaxed — matching it with taxable pay takes$3,827 / mo gross

Without dependents here$2,679 / mo

In government quarters, no dependents$50.10 / mo partial

Oxford — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,271	$1,704
E-2	$2,271	$1,704
E-3	$2,271	$1,704
E-4	$2,271	$1,704
E-5	$2,445	$1,938
E-6	$2,814	$2,112
E-7	$2,877	$2,277
E-8	$2,943	$2,523
E-9	$3,096	$2,628
Warrant officer
W-1	$2,835	$2,220
W-2	$2,904	$2,520
W-3	$2,988	$2,643
W-4	$3,135	$2,823
W-5	$3,318	$2,889
Officer — prior enlisted
O-1E	$2,886	$2,442
O-2E	$2,973	$2,604
O-3E	$3,162	$2,808
Officer
O-1	$2,496	$2,094
O-2	$2,811	$2,391
O-3	$2,985	$2,679
O-4	$3,378	$2,871
O-5	$3,663	$2,907
O-6	$3,693	$2,964
O-7	$3,720	$3,015

What this rate means

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

Westchester County$6,633

Great Lakes Navtracen$3,018

Philadelphia$3,015

County Cost Group 850$3,003

Orlando$2,997

Oxford$2,985

Fairbanks$2,937

Fresno$2,937

Patrick SFB$2,922

Minneapolis$2,910

Anniston$1,686

Oxford is #106 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 Oxford0 – $3,720 / month

E-1$2,271

E-2$2,271

E-3$2,271

E-4$2,271

E-5$2,445

E-6$2,814

E-7$2,877

E-8$2,943

E-9$3,096

W-1$2,835

W-2$2,904

W-3$2,988

W-4$3,135

W-5$3,318

O-1E$2,886

O-2E$2,973

O-3E$3,162

O-1$2,496

O-2$2,811

O-3$2,985

O-4$3,378

O-5$3,663

O-6$3,693

O-7$3,720

Promoting to O-4 here adds $393 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 Oxford to Westchester County at O-3 is worth $3,648 a month — about 9 promotions worth of housing allowance, at $393 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. $2,985 a month of BAH takes more than $2,985 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 Oxford draws $2,985 per month with dependents in 2026, $2,679 without

What this rate means

Things the rate table doesn't tell you