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
    WithWithout

    O-3 with dependents at Pensacola draws $2,271 per month in 2026

    Permalinkbahratedesk.com/pensacola-fl/o-3/with/ExcelCSVDownloads cover this station.
    Pensacola, FL
    O-3 · with dependents
    $2,271/ month
    $27,252 / year
    At O-3, this is #227 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA FL064 · ZIPs 32501 32502 32503 32504 32505 32506 +32 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,912 / mo gross
    Other dependency status here$2,097 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Pensacola — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,794$1,521
    E-2$1,794$1,521
    E-3$1,794$1,521
    E-4$1,794$1,521
    E-5$1,863$1,644
    E-6$2,235$1,722
    E-7$2,256$1,791
    E-8$2,265$1,941
    E-9$2,304$2,046
    Warrant officer
    W-1$2,253$1,782
    W-2$2,262$1,938
    W-3$2,274$2,061
    W-4$2,325$2,229
    W-5$2,427$2,241
    Officer — prior enlisted
    O-1E$2,259$1,860
    O-2E$2,268$2,022
    O-3E$2,340$2,226
    Officer
    O-1$1,914$1,719
    O-2$2,232$1,842
    O-3$2,271$2,097
    O-4$2,457$2,232
    O-5$2,610$2,244
    O-6$2,631$2,247
    O-7$2,646$2,259
    PCS comparePensacola · O-3 · $2,271/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$801+$9,612/yr · like +$12,323 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Roanoke$2,301
    Rock Island$2,298
    County Cost Group 770$2,280
    Lincoln$2,280
    Pensacola$2,271
    Malmstrom SFB$2,268
    Shreveport$2,268
    Fort Rucker$2,262
    Greensboro$2,259
    Anniston$1,686

    Pensacola is #227 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 Pensacola0 – $2,646 / month
    E-1$1,794
    E-2$1,794
    E-3$1,794
    E-4$1,794
    E-5$1,863
    E-6$2,235
    E-7$2,256
    E-8$2,265
    E-9$2,304
    W-1$2,253
    W-2$2,262
    W-3$2,274
    W-4$2,325
    W-5$2,427
    O-1E$2,259
    O-2E$2,268
    O-3E$2,340
    O-1$1,914
    O-2$2,232
    O-3$2,271
    O-4$2,457
    O-5$2,610
    O-6$2,631
    O-7$2,646

    Promoting to O-4 here adds $186 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 Pensacola to Westchester County at O-3 is worth $4,362 a month — about 23 promotions worth of housing allowance, at $186 per grade here.

    02

    Dependency status is worth 8% 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. $2,271 a month of BAH takes more than $2,271 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.