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 Rock Island draws $2,118 per month in 2026

    Permalinkbahratedesk.com/rock-island-il/o-3/without/ExcelCSVDownloads cover this station.
    Rock Island, IL
    O-3 · without dependents
    $2,118/ month
    $25,416 / year
    At O-3, this is #192 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA IL089 · ZIPs 52722 52726 52728 52745 52746 52748 +37 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,715 / mo gross
    Other dependency status here$2,298 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Rock Island — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,722$1,389
    E-2$1,722$1,389
    E-3$1,722$1,389
    E-4$1,722$1,389
    E-5$1,908$1,476
    E-6$2,238$1,680
    E-7$2,262$1,728
    E-8$2,283$1,980
    E-9$2,388$2,073
    Warrant officer
    W-1$2,259$1,695
    W-2$2,268$1,977
    W-3$2,301$2,085
    W-4$2,421$2,238
    W-5$2,577$2,262
    Officer — prior enlisted
    O-1E$2,265$1,905
    O-2E$2,292$2,052
    O-3E$2,448$2,232
    Officer
    O-1$1,956$1,533
    O-2$2,235$1,851
    O-3$2,298$2,118
    O-4$2,628$2,250
    O-5$2,868$2,265
    O-6$2,892$2,277
    O-7$2,910$2,313
    PCS compareRock Island · O-3 · $2,118/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$525+$6,300/yr · like +$8,077 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    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
    Kansas City$2,103
    Youngstown$1,344

    Rock Island is #192 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 Rock Island0 – $2,313 / month
    E-1$1,389
    E-2$1,389
    E-3$1,389
    E-4$1,389
    E-5$1,476
    E-6$1,680
    E-7$1,728
    E-8$1,980
    E-9$2,073
    W-1$1,695
    W-2$1,977
    W-3$2,085
    W-4$2,238
    W-5$2,262
    O-1E$1,905
    O-2E$2,052
    O-3E$2,232
    O-1$1,533
    O-2$1,851
    O-3$2,118
    O-4$2,250
    O-5$2,265
    O-6$2,277
    O-7$2,313

    Promoting to O-4 here adds $132 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 Rock Island to San Francisco at O-3 is worth $3,213 a month — about 24 promotions worth of housing allowance, at $132 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. $2,118 a month of BAH takes more than $2,118 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.