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 Santa Clara County draws $5,199 per month in 2026

    Permalinkbahratedesk.com/santa-clara-county-ca/o-3/with/ExcelCSVDownloads cover this station.
    Santa Clara County, CA
    O-3 · with dependents
    $5,199/ month
    $62,388 / year
    At O-3, this is #6 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA CA044 · ZIPs 94002 94020 94021 94022 94023 94024 +117 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$6,665 / mo gross
    Other dependency status here$4,860 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Santa Clara County — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$4,356$3,318
    E-2$4,356$3,318
    E-3$4,356$3,318
    E-4$4,356$3,318
    E-5$4,659$3,798
    E-6$4,977$4,086
    E-7$5,058$4,368
    E-8$5,145$4,728
    E-9$5,382$4,815
    Warrant officer
    W-1$4,998$4,257
    W-2$5,094$4,725
    W-3$5,202$4,830
    W-4$5,448$4,992
    W-5$5,751$5,076
    Officer — prior enlisted
    O-1E$5,070$4,656
    O-2E$5,184$4,797
    O-3E$5,496$4,971
    Officer
    O-1$4,704$4,053
    O-2$4,974$4,560
    O-3$5,199$4,860
    O-4$5,856$5,055
    O-5$6,333$5,100
    O-6$6,387$5,178
    O-7$6,441$5,274
    PCS compareSanta Clara County · O-3 · $5,199/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▼ CUT−$2,127−$25,524/yr · like −$32,723 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $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
    Anniston$1,686

    Santa Clara County is #6 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 Santa Clara County0 – $6,441 / month
    E-1$4,356
    E-2$4,356
    E-3$4,356
    E-4$4,356
    E-5$4,659
    E-6$4,977
    E-7$5,058
    E-8$5,145
    E-9$5,382
    W-1$4,998
    W-2$5,094
    W-3$5,202
    W-4$5,448
    W-5$5,751
    O-1E$5,070
    O-2E$5,184
    O-3E$5,496
    O-1$4,704
    O-2$4,974
    O-3$5,199
    O-4$5,856
    O-5$6,333
    O-6$6,387
    O-7$6,441

    Promoting to O-4 here adds $657 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 Santa Clara County to Westchester County at O-3 is worth $1,434 a month — about 2 promotions worth of housing allowance, at $657 per grade here.

    02

    Dependency status is worth 7% 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. $5,199 a month of BAH takes more than $5,199 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.