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 $2,034Without $1,641

    W-3 at Paducah draws $2,034 per month with dependents in 2026, $1,641 without

    Permalinkbahratedesk.com/paducah-ky/w-3/ExcelCSVDownloads cover this station.
    Paducah, KY
    W-3 · with dependents
    $2,034/ month
    $24,408 / year
    At W-3, this is #282 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA KY430 · ZIPs 42001 42002 42003 42053 42086
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$2,608 / mo gross
    Without dependents here$1,641 / mo
    In government quarters, no dependents$50.10 / mo partial
    Paducah — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,293$1,029
    E-2$1,293$1,029
    E-3$1,293$1,029
    E-4$1,293$1,029
    E-5$1,365$1,143
    E-6$1,875$1,407
    E-7$1,932$1,449
    E-8$1,992$1,494
    E-9$2,136$1,623
    Warrant officer
    W-1$1,896$1,422
    W-2$1,956$1,470
    W-3$2,034$1,641
    W-4$2,175$1,884
    W-5$2,355$1,944
    Officer — prior enlisted
    O-1E$1,941$1,455
    O-2E$2,019$1,587
    O-3E$2,205$1,869
    Officer
    O-1$1,434$1,215
    O-2$1,872$1,452
    O-3$2,031$1,689
    O-4$2,415$1,929
    O-5$2,694$2,022
    O-6$2,712$2,034
    O-7$2,730$2,049
    PCS comparePaducah · W-3 · $2,034/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▲ RAISE+$1,041+$12,492/yr · like +$16,015 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    Lafayette$2,043
    Peoria$2,043
    Fort Leonard Wood$2,034
    Morgantown$2,034
    Paducah$2,034
    County Cost Group 710$2,019
    St Mary And Terrebonne$2,013
    Moody AFB$2,007
    Springfield$2,004
    Anniston$1,689

    Paducah is #282 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 Paducah0 – $2,730 / month
    E-1$1,293
    E-2$1,293
    E-3$1,293
    E-4$1,293
    E-5$1,365
    E-6$1,875
    E-7$1,932
    E-8$1,992
    E-9$2,136
    W-1$1,896
    W-2$1,956
    W-3$2,034
    W-4$2,175
    W-5$2,355
    O-1E$1,941
    O-2E$2,019
    O-3E$2,205
    O-1$1,434
    O-2$1,872
    O-3$2,031
    O-4$2,415
    O-5$2,694
    O-6$2,712
    O-7$2,730

    Promoting to W-4 here adds $141 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 Paducah to Westchester County at W-3 is worth $4,620 a month — about 33 promotions worth of housing allowance, at $141 per grade here.

    02

    Dependency status is worth 24% 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. $2,034 a month of BAH takes more than $2,034 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.