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 without dependents at Savannah draws $2,562 per month in 2026

    Permalinkbahratedesk.com/savannah-ga/o-3/without/ExcelCSVDownloads cover this station.
    Savannah, GA
    O-3 · without dependents
    $2,562/ month
    $30,744 / year
    At O-3, this is #113 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA GA077 · ZIPs 31302 31322 31328 31401 31402 31403 +16 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,285 / mo gross
    Other dependency status here$2,745 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Savannah — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,235$1,821
    E-2$2,235$1,821
    E-3$2,235$1,821
    E-4$2,235$1,821
    E-5$2,415$1,968
    E-6$2,652$2,073
    E-7$2,685$2,241
    E-8$2,718$2,466
    E-9$2,823$2,529
    Warrant officer
    W-1$2,670$2,184
    W-2$2,697$2,463
    W-3$2,748$2,538
    W-4$2,853$2,652
    W-5$2,991$2,691
    Officer — prior enlisted
    O-1E$2,688$2,412
    O-2E$2,736$2,514
    O-3E$2,874$2,643
    Officer
    O-1$2,451$2,055
    O-2$2,649$2,358
    O-3$2,745$2,562
    O-4$3,036$2,676
    O-5$3,249$2,694
    O-6$3,273$2,721
    O-7$3,297$2,769
    PCS compareSavannah · O-3 · $2,562/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$81+$972/yr · like +$1,246 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Charlottesville$2,589
    Reno$2,571
    St. Louis$2,571
    Dahlgren$2,568
    Savannah$2,562
    Bridgeport$2,541
    Elizabeth City$2,538
    Traverse City$2,535
    County Cost Group 840$2,532
    Youngstown$1,344

    Savannah is #113 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at Savannah0 – $2,769 / month
    E-1$1,821
    E-2$1,821
    E-3$1,821
    E-4$1,821
    E-5$1,968
    E-6$2,073
    E-7$2,241
    E-8$2,466
    E-9$2,529
    W-1$2,184
    W-2$2,463
    W-3$2,538
    W-4$2,652
    W-5$2,691
    O-1E$2,412
    O-2E$2,514
    O-3E$2,643
    O-1$2,055
    O-2$2,358
    O-3$2,562
    O-4$2,676
    O-5$2,694
    O-6$2,721
    O-7$2,769

    Promoting to O-4 here adds $114 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 Savannah to San Francisco at O-3 is worth $2,769 a month — about 24 promotions worth of housing allowance, at $114 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. $2,562 a month of BAH takes more than $2,562 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.