What is O-3 BAH at Sioux Falls in 2026?

$2,106 per month with dependents ($25,272 per year), effective 01 JAN 2026. Without dependents it is $1,854 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-3 BAH at Sioux Falls 2026 — $2,106 with dependents, $1,854 without

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

Sioux Falls, SD

O-3 · with dependents

$2,106/ month

$25,272 / year

At O-3, this is #264 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA SD265 · ZIPs 57003 57005 57013 57018 57020 57022 +27 more

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Untaxed — matching it with taxable pay takes$2,700 / mo gross

Without dependents here$1,854 / mo

In government quarters, no dependents$50.10 / mo partial

Sioux Falls — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,428	$1,107
E-2	$1,428	$1,107
E-3	$1,428	$1,107
E-4	$1,428	$1,107
E-5	$1,554	$1,224
E-6	$2,025	$1,518
E-7	$2,055	$1,542
E-8	$2,085	$1,653
E-9	$2,169	$1,791
Warrant officer
W-1	$2,046	$1,536
W-2	$2,067	$1,650
W-3	$2,109	$1,809
W-4	$2,193	$2,028
W-5	$2,307	$2,061
Officer — prior enlisted
O-1E	$2,058	$1,551
O-2E	$2,100	$1,758
O-3E	$2,211	$2,019
Officer
O-1	$1,617	$1,296
O-2	$2,022	$1,545
O-3	$2,106	$1,854
O-4	$2,340	$2,046
O-5	$2,511	$2,064
O-6	$2,529	$2,085
O-7	$2,544	$2,118

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

Lansing$2,127

San Antonio (JBSA)$2,127

Laughlin AFB$2,121

Columbia$2,118

Sioux Falls$2,106

Tulsa$2,106

County Cost Group 740$2,097

Wright-Patterson AFB$2,097

Camp Lejeune$2,085

Anniston$1,686

Sioux Falls is #264 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 Sioux Falls0 – $2,544 / month

E-1$1,428

E-2$1,428

E-3$1,428

E-4$1,428

E-5$1,554

E-6$2,025

E-7$2,055

E-8$2,085

E-9$2,169

W-1$2,046

W-2$2,067

W-3$2,109

W-4$2,193

W-5$2,307

O-1E$2,058

O-2E$2,100

O-3E$2,211

O-1$1,617

O-2$2,022

O-3$2,106

O-4$2,340

O-5$2,511

O-6$2,529

O-7$2,544

Promoting to O-4 here adds $234 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Sioux Falls to Westchester County at O-3 is worth $4,527 a month — about 19 promotions worth of housing allowance, at $234 per grade here.

Dependency status is worth 14% 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. $2,106 a month of BAH takes more than $2,106 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-3 at Sioux Falls draws $2,106 per month with dependents in 2026, $1,854 without

What this rate means

Things the rate table doesn't tell you