O-3 with dependents, nearest stations0 – $6,633 / month
Westchester County$6,633
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
Anniston$1,686
San Bernardino is #66 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 San Bernardino0 – $3,855 / month
E-1$2,958
E-2$2,958
E-3$2,958
E-4$2,958
E-5$3,288
E-6$3,381
E-7$3,399
E-8$3,408
E-9$3,465
W-1$3,396
W-2$3,405
W-3$3,417
W-4$3,489
W-5$3,597
O-1E$3,402
O-2E$3,411
O-3E$3,504
O-1$3,306
O-2$3,378
O-3$3,414
O-4$3,630
O-5$3,798
O-6$3,828
O-7$3,855
Promoting to O-4 here adds $216 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 San Bernardino to Westchester County at O-3 is worth $3,219 a month — about 15 promotions worth of housing allowance, at $216 per grade here.
02
Dependency status is worth 2% 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. $3,414 a month of BAH takes more than $3,414 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.