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 Rapid City draws $2,124 per month in 2026

    Permalinkbahratedesk.com/rapid-city-ellsworth-afb-sd/o-3/without/ExcelCSVDownloads cover this station.
    Rapid City/Ellsworth AFB, SD
    O-3 · without dependents
    $2,124/ month
    $25,488 / year
    At O-3, this is #191 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA SD264 · ZIPs 57626 57701 57702 57703 57706 57709 +26 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,723 / mo gross
    Other dependency status here$2,475 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Rapid City — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,800$1,440
    E-2$1,800$1,440
    E-3$1,800$1,440
    E-4$1,800$1,440
    E-5$1,986$1,545
    E-6$2,211$1,656
    E-7$2,307$1,806
    E-8$2,409$2,037
    E-9$2,538$2,094
    Warrant officer
    W-1$2,229$1,746
    W-2$2,349$2,034
    W-3$2,478$2,103
    W-4$2,559$2,226
    W-5$2,664$2,328
    Officer — prior enlisted
    O-1E$2,322$1,983
    O-2E$2,457$2,082
    O-3E$2,574$2,202
    Officer
    O-1$2,022$1,614
    O-2$2,208$1,929
    O-3$2,475$2,124
    O-4$2,691$2,304
    O-5$2,850$2,361
    O-6$2,871$2,457
    O-7$2,889$2,496
    PCS compareRapid City · O-3 · $2,124/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$519+$6,228/yr · like +$7,985 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Provo$2,160
    Kings Bay$2,157
    Nellis AFB$2,151
    Boise$2,148
    Rapid City$2,124
    Rock Island$2,118
    Toledo$2,112
    Fargo$2,106
    Columbus$2,103
    Youngstown$1,344

    Rapid City is #191 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 Rapid City0 – $2,496 / month
    E-1$1,440
    E-2$1,440
    E-3$1,440
    E-4$1,440
    E-5$1,545
    E-6$1,656
    E-7$1,806
    E-8$2,037
    E-9$2,094
    W-1$1,746
    W-2$2,034
    W-3$2,103
    W-4$2,226
    W-5$2,328
    O-1E$1,983
    O-2E$2,082
    O-3E$2,202
    O-1$1,614
    O-2$1,929
    O-3$2,124
    O-4$2,304
    O-5$2,361
    O-6$2,457
    O-7$2,496

    Promoting to O-4 here adds $180 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 Rapid City to San Francisco at O-3 is worth $3,207 a month — about 18 promotions worth of housing allowance, at $180 per grade here.

    02

    Dependency status is worth 17% 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. $2,124 a month of BAH takes more than $2,124 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.