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 without dependents at Portland draws $3,456 per month in 2026

    Permalinkbahratedesk.com/portland-me/o-3/without/ExcelCSVDownloads cover this station.
    Portland, ME
    O-3 · without dependents
    $3,456/ month
    $41,472 / year
    At O-3, this is #41 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA ME139 · ZIPs 04009 04013 04015 04017 04019 04021 +38 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,431 / mo gross
    Other dependency status here$4,260 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Portland — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,087$2,316
    E-2$3,087$2,316
    E-3$3,087$2,316
    E-4$3,087$2,316
    E-5$3,252$2,703
    E-6$3,576$2,934
    E-7$3,825$3,090
    E-8$4,098$3,321
    E-9$4,425$3,411
    Warrant officer
    W-1$3,597$3,039
    W-2$3,936$3,318
    W-3$4,272$3,423
    W-4$4,482$3,630
    W-5$4,740$3,888
    Officer — prior enlisted
    O-1E$3,876$3,249
    O-2E$4,221$3,390
    O-3E$4,524$3,567
    Officer
    O-1$3,297$2,916
    O-2$3,573$3,201
    O-3$4,260$3,456
    O-4$4,830$3,843
    O-5$5,235$3,996
    O-6$5,280$4,251
    O-7$5,322$4,329
    PCS comparePortland · O-3 · $3,456/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$813−$9,756/yr · like −$12,508 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Vandenberg SFB$3,528
    Burlington$3,516
    New Haven$3,483
    Riverside$3,471
    Portland$3,456
    Vallejo$3,444
    Manchester$3,396
    County Cost Group 890$3,387
    Providence$3,357
    Youngstown$1,344

    Portland is #41 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at Portland0 – $4,329 / month
    E-1$2,316
    E-2$2,316
    E-3$2,316
    E-4$2,316
    E-5$2,703
    E-6$2,934
    E-7$3,090
    E-8$3,321
    E-9$3,411
    W-1$3,039
    W-2$3,318
    W-3$3,423
    W-4$3,630
    W-5$3,888
    O-1E$3,249
    O-2E$3,390
    O-3E$3,567
    O-1$2,916
    O-2$3,201
    O-3$3,456
    O-4$3,843
    O-5$3,996
    O-6$4,251
    O-7$4,329

    Promoting to O-4 here adds $387 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 Portland to San Francisco at O-3 is worth $1,875 a month — about 5 promotions worth of housing allowance, at $387 per grade here.

    02

    Dependency status is worth 23% 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. $3,456 a month of BAH takes more than $3,456 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.