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 Rochester draws $2,757 per month in 2026

    Permalinkbahratedesk.com/rochester-ny/o-3/with/ExcelCSVDownloads cover this station.
    Rochester, NY
    O-3 · with dependents
    $2,757/ month
    $33,084 / year
    At O-3, this is #137 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA NY221 · ZIPs 14410 14420 14428 14430 14445 14450 +56 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,535 / mo gross
    Other dependency status here$2,403 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Rochester — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,941$1,455
    E-2$1,941$1,455
    E-3$1,941$1,455
    E-4$1,941$1,455
    E-5$2,214$1,662
    E-6$2,517$1,887
    E-7$2,604$1,953
    E-8$2,697$2,280
    E-9$2,832$2,364
    Warrant officer
    W-1$2,535$1,902
    W-2$2,643$2,277
    W-3$2,760$2,376
    W-4$2,859$2,532
    W-5$2,988$2,625
    Officer — prior enlisted
    O-1E$2,619$2,211
    O-2E$2,739$2,343
    O-3E$2,880$2,508
    Officer
    O-1$2,259$1,695
    O-2$2,514$2,127
    O-3$2,757$2,403
    O-4$3,027$2,601
    O-5$3,222$2,652
    O-6$3,249$2,736
    O-7$3,270$2,784
    PCS compareRochester · O-3 · $2,757/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$315+$3,780/yr · like +$4,846 of salary

    What this rate means

    O-3 with dependents, every station0 – $6,633 / month
    Westchester County$6,633
    Maui County$5,571
    San Francisco$5,556
    New York City$5,529
    Nantucket$5,442
    Santa Clara County$5,199
    Boston$5,163
    Northern New Jersey$5,094
    Long Island$5,061
    Martha's Vineyard$5,025
    Florida Keys$4,872
    Monterey$4,824
    Hanscom AFB$4,770
    Kauai County$4,662
    Camp Pendleton$4,659
    Staten Island$4,554
    Essex CO$4,533
    Los Angeles$4,524
    San Diego$4,518
    Portsmouth$4,461
    Miami$4,437
    Honolulu County$4,428
    Cape Cod-Plymouth$4,419
    West Point$4,380
    Oakland$4,362
    Trenton$4,362
    Fort Monmouth$4,332
    Portland$4,260
    Perth Amboy$4,239
    Manchester$4,233
    San Luis Obispo$4,215
    Seattle$4,215
    Ventura$4,212
    Burlington$4,203
    Marin$4,146
    Newport$4,137
    Fitchburg$4,059
    Washington$4,020
    Providence$4,008
    West Palm Beach$3,975
    Hawaii County$3,945
    New Haven$3,843
    County Cost Group 890$3,828
    Vandenberg SFB$3,780
    Brunswick$3,762
    Hartford$3,759
    Worcester$3,756
    Chicago$3,738
    Boulder$3,711
    Santa Fe$3,711
    Riverside$3,705
    Indian Head Navordsta$3,669
    Warrenton$3,666
    Atlantic City$3,624
    Juneau$3,594
    Everett$3,567
    JB McGuire-Dix-Lakehurst$3,552
    Vallejo$3,537
    County Cost Group 880$3,489
    Sitka$3,462
    Austin$3,447
    Annapolis$3,438
    Willow Grove$3,438
    Hampden County$3,426
    Madison$3,426
    San Bernardino$3,414
    Fort G. G. Meade$3,411
    Eglin AFB$3,399
    JB Elmendorf-Richardson$3,360
    Ann Arbor$3,357
    Ketchikan$3,327
    Quantico$3,327
    Stockton$3,309
    New London$3,306
    County Cost Group 870$3,270
    Edwards AFB$3,264
    Fort Detrick$3,255
    Ballston Spa$3,234
    Astoria$3,213
    Denver$3,207
    Milwaukee$3,189
    Cape May$3,186
    Kodiak Island$3,174
    Beale AFB$3,165
    Baltimore$3,156
    Fort Myers Beach$3,129
    JB Lewis-McChord$3,123
    Whidbey Island$3,105
    County Cost Group 860$3,090
    Outer Banks$3,087
    Port Angeles$3,081
    Tampa$3,081
    Fort Pierce$3,078
    Aberdeen Proving Grounds$3,072
    Traverse City$3,069
    Dover AFB$3,051
    Bremerton$3,045
    Charlottesville$3,045
    Sacramento$3,039
    Portland$3,030
    Bridgeport$3,018
    Great Lakes Navtracen$3,018
    Philadelphia$3,015
    County Cost Group 850$3,003
    Orlando$2,997
    Oxford$2,985
    Fairbanks$2,937
    Fresno$2,937
    Patrick SFB$2,922
    Minneapolis$2,910
    County Cost Group 840$2,907
    Knoxville$2,904
    Allentown$2,880
    Rome$2,880
    Coastal Maine$2,868
    Corvallis$2,865
    Abilene$2,859
    Beaufort$2,856
    Dallas$2,847
    Dahlgren$2,844
    Spokane$2,844
    Humboldt County$2,838
    Asheville$2,835
    County Cost Group 830$2,826
    Twenty Nine Palms MCB$2,814
    Syracuse$2,811
    Fort Collins$2,805
    Reno$2,799
    Nashville$2,784
    Detroit$2,778
    Buffalo$2,772
    Helena$2,772
    Patuxent River$2,769
    Eugene$2,766
    Richmond$2,760
    St. Louis$2,760
    Rochester$2,757
    Barstow$2,748
    Atlanta$2,745
    Savannah$2,745
    Salt Lake City$2,742
    County Cost Group 820$2,730
    Charleston$2,721
    Panama City$2,709
    Salem$2,709
    Yakima$2,703
    Houston$2,700
    Coos Bay$2,697
    Gainesville$2,697
    Norfolk$2,694
    College Station$2,685
    Elizabeth City$2,667
    El Centro$2,664
    Pittsburgh$2,643
    Volusia County$2,634
    Wilmington$2,628
    County Cost Group 810$2,622
    Cincinnati$2,604
    Omaha$2,601
    Fort Stewart$2,598
    Fort Carson$2,595
    State College$2,580
    Tallahassee$2,580
    Columbus$2,577
    Birmingham$2,565
    Carlisle Barracks$2,559
    Grand Haven$2,553
    New Orleans$2,553
    Dahlonega$2,550
    Provo$2,529
    Myrtle Beach$2,523
    Chattanooga$2,520
    Durham$2,517
    Bangor$2,514
    Battle Creek$2,514
    Fargo$2,511
    County Cost Group 800$2,508
    Jackson$2,502
    Fort Campbell$2,496
    Phoenix$2,490
    Eastern Panhandle$2,478
    Corpus Christi$2,475
    Hampton$2,475
    Rapid City$2,475
    Charlotte$2,472
    Bloomington$2,469
    Fort Drum$2,469
    Fort Worth$2,460
    Cleveland$2,457
    Lemoore NAS$2,451
    Cheyenne$2,442
    Grand Rapids$2,439
    Ocala$2,439
    County Cost Group 790$2,433
    Des Moines$2,433
    Fort Knox$2,421
    Morehead$2,421
    Kings Bay$2,418
    Auburn$2,412
    Eastern Shore$2,406
    Albuquerque$2,397
    Fort Leavenworth$2,394
    Louisville$2,394
    Raleigh$2,391
    Marquette$2,385
    Nellis AFB$2,382
    Waco$2,379
    Bismarck$2,370
    Boise$2,370
    Duluth$2,370
    Jacksonville$2,364
    Ogden$2,361
    Fayetteville$2,355
    Memphis$2,352
    County Cost Group 780$2,346
    Johnson City$2,343
    Fort Hood$2,340
    Mountain Home AFB$2,325
    Wichita Fls$2,325
    Fallon NAS$2,319
    Kansas City$2,310
    Indianapolis$2,307
    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
    Fort Gordon$2,250
    Whiteman AFB$2,244
    Columbia$2,232
    Fort Huachuca$2,232
    Baton Rouge$2,229
    Huntsville$2,226
    Seymour Johnson AFB$2,226
    Scott AFB$2,208
    County Cost Group 760$2,205
    Fort Wayne$2,205
    Greenville$2,205
    Lexington$2,205
    Fort Bliss$2,202
    Mobile$2,202
    Davis-Monthan AFB$2,199
    Grand Forks$2,199
    Robins AFB$2,199
    Toledo$2,199
    Goodfellow AFB$2,193
    Columbus AFB$2,181
    Fort Bragg$2,175
    Minot AFB$2,175
    Brownsville$2,169
    China Lake$2,154
    County Cost Group 750$2,154
    Frankfort$2,133
    Lexington$2,130
    Champaign$2,127
    Lansing$2,127
    San Antonio (JBSA)$2,127
    Laughlin AFB$2,121
    Columbia$2,118
    Sioux Falls$2,106
    Tulsa$2,106
    County Cost Group 740$2,097
    Wright-Patterson AFB$2,097
    Camp Lejeune$2,085
    Wilkes-Barre$2,085
    White Sands MR$2,082
    County Cost Group 730$2,064
    Topeka$2,064
    Fort Benning$2,058
    Sumter$2,052
    Yuma$2,049
    County Cost Group 720$2,040
    Gulfport$2,040
    Lafayette$2,040
    Peoria$2,040
    Morgantown$2,031
    Paducah$2,031
    Fort Leonard Wood$2,028
    County Cost Group 710$2,016
    St Mary And Terrebonne$2,007
    Moody AFB$2,004
    Springfield$2,001
    Terre Haute$2,001
    County Cost Group 700$1,998
    Springfield$1,998
    Lubbock$1,983
    County Cost Group 690$1,980
    Akron$1,977
    Lake Charles$1,977
    Little Rock$1,974
    Oklahoma City$1,974
    County Cost Group 680$1,968
    Fort Chaffee$1,962
    County Cost Group 670$1,959
    Sault Ste Marie$1,959
    Beaumont$1,956
    Fort Riley$1,953
    Meridian$1,953
    Alexandria$1,950
    County Cost Group 660$1,944
    Fort Polk$1,938
    Wichita$1,938
    County Cost Group 650$1,935
    Montgomery$1,932
    County Cost Group 640$1,926
    Sparta$1,923
    County Cost Group 630$1,917
    Huntington$1,917
    County Cost Group 620$1,911
    Albany$1,905
    Holloman AFB$1,905
    County Cost Group 610$1,902
    County Cost Group 600$1,893
    County Cost Group 590$1,881
    Cannon AFB$1,875
    Erie$1,872
    County Cost Group 580$1,869
    Hattiesburg$1,866
    Charleston$1,860
    County Cost Group 570$1,857
    County Cost Group 560$1,848
    Saginaw$1,842
    County Cost Group 550$1,836
    Altus AFB$1,833
    County Cost Group 540$1,827
    County Cost Group 530$1,821
    Vance AFB$1,818
    County Cost Group 520$1,815
    County Cost Group 510$1,809
    Youngstown$1,767
    Fort Sill$1,758
    Stevens Point$1,746
    Monroe$1,728
    Anniston$1,686

    Rochester is #137 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 Rochester0 – $3,270 / month
    E-1$1,941
    E-2$1,941
    E-3$1,941
    E-4$1,941
    E-5$2,214
    E-6$2,517
    E-7$2,604
    E-8$2,697
    E-9$2,832
    W-1$2,535
    W-2$2,643
    W-3$2,760
    W-4$2,859
    W-5$2,988
    O-1E$2,619
    O-2E$2,739
    O-3E$2,880
    O-1$2,259
    O-2$2,514
    O-3$2,757
    O-4$3,027
    O-5$3,222
    O-6$3,249
    O-7$3,270

    Promoting to O-4 here adds $270 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 Rochester to Westchester County at O-3 is worth $3,876 a month — about 14 promotions worth of housing allowance, at $270 per grade here.

    02

    Dependency status is worth 15% 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. $2,757 a month of BAH takes more than $2,757 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.