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
    With $1,959Without $1,779

    O-3 at Sault Ste Marie draws $1,959 per month with dependents in 2026, $1,779 without

    Permalinkbahratedesk.com/sault-ste-marie-mi/o-3/ExcelCSVDownloads cover this station.
    Sault Ste Marie, MI
    O-3 · with dependents
    $1,959/ month
    $23,508 / year
    At O-3, this is #299 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA MI145 · ZIPs 49710 49715 49719 49724 49725 49726 +16 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,512 / mo gross
    Without dependents here$1,779 / mo
    In government quarters, no dependents$50.10 / mo partial
    Sault Ste Marie — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,386$1,041
    E-2$1,386$1,041
    E-3$1,386$1,041
    E-4$1,386$1,041
    E-5$1,536$1,155
    E-6$1,920$1,437
    E-7$1,941$1,458
    E-8$1,950$1,617
    E-9$2,058$1,728
    Warrant officer
    W-1$1,938$1,455
    W-2$1,947$1,614
    W-3$1,962$1,743
    W-4$2,097$1,917
    W-5$2,268$1,935
    Officer — prior enlisted
    O-1E$1,944$1,533
    O-2E$1,953$1,701
    O-3E$2,124$1,911
    Officer
    O-1$1,590$1,230
    O-2$1,917$1,491
    O-3$1,959$1,779
    O-4$2,325$1,923
    O-5$2,595$1,947
    O-6$2,613$1,959
    O-7$2,628$1,971
    PCS compareSault Ste Marie · O-3 · $1,959/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$1,113+$13,356/yr · like +$17,123 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    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
    Anniston$1,686

    Sault Ste Marie is #299 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 Sault Ste Marie0 – $2,628 / month
    E-1$1,386
    E-2$1,386
    E-3$1,386
    E-4$1,386
    E-5$1,536
    E-6$1,920
    E-7$1,941
    E-8$1,950
    E-9$2,058
    W-1$1,938
    W-2$1,947
    W-3$1,962
    W-4$2,097
    W-5$2,268
    O-1E$1,944
    O-2E$1,953
    O-3E$2,124
    O-1$1,590
    O-2$1,917
    O-3$1,959
    O-4$2,325
    O-5$2,595
    O-6$2,613
    O-7$2,628

    Promoting to O-4 here adds $366 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 Sault Ste Marie to Westchester County at O-3 is worth $4,674 a month — about 13 promotions worth of housing allowance, at $366 per grade here.

    02

    Dependency status is worth 10% 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. $1,959 a month of BAH takes more than $1,959 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.