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-3E with dependents at Santa Clara County draws $5,496 per month in 2026

    Permalinkbahratedesk.com/santa-clara-county-ca/o-3e/with/ExcelCSVDownloads cover this station.
    Santa Clara County, CA
    O-3E · with dependents
    $5,496/ month
    $65,952 / year
    At O-3E, this is #7 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA CA044 · ZIPs 94002 94020 94021 94022 94023 94024 +117 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$7,046 / mo gross
    Other dependency status here$4,971 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-3E · $5,496/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▼ CUT−$2,274−$27,288/yr · like −$34,985 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    New York City$5,949
    Nantucket$5,832
    Maui County$5,793
    Boston$5,511
    Santa Clara County$5,496
    Northern New Jersey$5,325
    Long Island$5,262
    Florida Keys$5,232
    Martha's Vineyard$5,193
    Youngstown$1,788

    Santa Clara County is #7 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 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

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 11% 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. $5,496 a month of BAH takes more than $5,496 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.