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 $2,988Without $2,643

    W-3 at Oxford draws $2,988 per month with dependents in 2026, $2,643 without

    Permalinkbahratedesk.com/oxford-md/w-3/ExcelCSVDownloads cover this station.
    Oxford, MD
    W-3 · with dependents
    $2,988/ month
    $35,856 / year
    At W-3, this is #106 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA MD458 · ZIPs 21601 21607 21609 21610 21612 21613 +58 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$3,831 / mo gross
    Without dependents here$2,643 / mo
    In government quarters, no dependents$50.10 / mo partial
    Oxford — full sheetTap a row
    GradeWith 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
    PCS compareOxford · W-3 · $2,988/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▲ RAISE+$87+$1,044/yr · like +$1,338 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    Great Lakes Navtracen$3,021
    Philadelphia$3,018
    County Cost Group 850$3,006
    Orlando$3,000
    Oxford$2,988
    Fairbanks$2,943
    Fresno$2,940
    Patrick SFB$2,925
    Minneapolis$2,913
    Anniston$1,689

    Oxford is #106 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 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 W-4 here adds $147 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 Oxford to Westchester County at W-3 is worth $3,666 a month — about 25 promotions worth of housing allowance, at $147 per grade here.

    02

    Dependency status is worth 13% 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. $2,988 a month of BAH takes more than $2,988 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.