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 $4,476Without $3,519

    W-3 at Portsmouth draws $4,476 per month with dependents in 2026, $3,519 without

    Permalinkbahratedesk.com/portsmouth-nh-kittery-me/w-3/ExcelCSVDownloads cover this station.
    Portsmouth, NH/Kittery, ME
    W-3 · with dependents
    $4,476/ month
    $53,712 / year
    At W-3, this is #20 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA NH194 · ZIPs 03032 03034 03036 03037 03038 03040 +100 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$5,738 / mo gross
    Without dependents here$3,519 / mo
    In government quarters, no dependents$50.10 / mo partial
    Portsmouth — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,099$2,367
    E-2$3,099$2,367
    E-3$3,099$2,367
    E-4$3,099$2,367
    E-5$3,321$2,700
    E-6$3,690$2,901
    E-7$3,975$3,108
    E-8$4,278$3,399
    E-9$4,617$3,504
    Warrant officer
    W-1$3,717$3,033
    W-2$4,098$3,396
    W-3$4,476$3,519
    W-4$4,668$3,756
    W-5$4,905$4,044
    Officer — prior enlisted
    O-1E$4,032$3,318
    O-2E$4,419$3,480
    O-3E$4,704$3,684
    Officer
    O-1$3,372$2,877
    O-2$3,687$3,249
    O-3$4,461$3,555
    O-4$4,983$3,993
    O-5$5,355$4,167
    O-6$5,400$4,455
    O-7$5,445$4,536
    PCS comparePortsmouth · W-3 · $4,476/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▼ CUT−$1,401−$16,812/yr · like −$21,554 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    Staten Island$4,560
    Essex CO$4,545
    Los Angeles$4,530
    San Diego$4,521
    Portsmouth$4,476
    Miami$4,446
    Honolulu County$4,434
    Cape Cod-Plymouth$4,425
    West Point$4,383
    Anniston$1,689

    Portsmouth is #20 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 Portsmouth0 – $5,445 / month
    E-1$3,099
    E-2$3,099
    E-3$3,099
    E-4$3,099
    E-5$3,321
    E-6$3,690
    E-7$3,975
    E-8$4,278
    E-9$4,617
    W-1$3,717
    W-2$4,098
    W-3$4,476
    W-4$4,668
    W-5$4,905
    O-1E$4,032
    O-2E$4,419
    O-3E$4,704
    O-1$3,372
    O-2$3,687
    O-3$4,461
    O-4$4,983
    O-5$5,355
    O-6$5,400
    O-7$5,445

    Promoting to W-4 here adds $192 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 Portsmouth to Westchester County at W-3 is worth $2,178 a month — about 11 promotions worth of housing allowance, at $192 per grade here.

    02

    Dependency status is worth 27% 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. $4,476 a month of BAH takes more than $4,476 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.