What is O-3E BAH at Sault Ste Marie in 2026?

$2,124 per month with dependents ($25,488 per year), effective 01 JAN 2026. without dependents it is $1,911 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3E BAH at Sault Ste Marie 2026 — $2,124/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Sault Ste Marie, MI

O-3E · with dependents

$2,124/ month

$25,488 / year

At O-3E, this is #290 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788

MHA MI145 · ZIPs 49710 49715 49719 49724 49725 49726 +16 more

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Untaxed — matching it with taxable pay takes$2,723 / mo gross

Other dependency status here$1,911 without dependents

In government quarters, no dependents$50.10 / mo partial

Sault Ste Marie — full sheetTap a row

Grade	With 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

What this rate means

O-3E with dependents, nearest stations0 – $7,023 / month

Westchester County$7,023

County Cost Group 720$2,148

Lubbock$2,145

Little Rock$2,127

County Cost Group 710$2,124

Sault Ste Marie$2,124

Lake Charles$2,109

Springfield$2,109

County Cost Group 700$2,103

Montgomery$2,100

Youngstown$1,788

Sault Ste Marie is #290 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 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

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

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.

None of it is taxed. $2,124 a month of BAH takes more than $2,124 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-3E with dependents at Sault Ste Marie draws $2,124 per month in 2026

What this rate means

Things the rate table doesn't tell you