What is O-3 BAH at Sparta in 2026?

$1,923 per month with dependents ($23,076 per year), effective 01 JAN 2026. Without dependents it is $1,680 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 Sparta 2026 — $1,923 with dependents, $1,680 without

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

Sparta/Fort McCoy, WI

O-3 · with dependents

$1,923/ month

$23,076 / year

At O-3, this is #310 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA WI318 · ZIPs 54601 54602 54603 54614 54619 54620 +13 more

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Untaxed — matching it with taxable pay takes$2,465 / mo gross

Without dependents here$1,680 / mo

In government quarters, no dependents$50.10 / mo partial

Sparta — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,380	$1,173
E-2	$1,380	$1,173
E-3	$1,380	$1,173
E-4	$1,380	$1,173
E-5	$1,395	$1,290
E-6	$1,845	$1,383
E-7	$1,875	$1,407
E-8	$1,905	$1,488
E-9	$1,971	$1,620
Warrant officer
W-1	$1,866	$1,401
W-2	$1,887	$1,485
W-3	$1,926	$1,638
W-4	$1,989	$1,848
W-5	$2,073	$1,881
Officer — prior enlisted
O-1E	$1,878	$1,413
O-2E	$1,917	$1,590
O-3E	$2,001	$1,839
Officer
O-1	$1,455	$1,362
O-2	$1,842	$1,410
O-3	$1,923	$1,680
O-4	$2,094	$1,866
O-5	$2,223	$1,884
O-6	$2,238	$1,902
O-7	$2,250	$1,932

What this rate means

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

Westchester County$6,633

Wichita$1,938

County Cost Group 650$1,935

Montgomery$1,932

County Cost Group 640$1,926

Sparta$1,923

County Cost Group 630$1,917

Huntington$1,917

County Cost Group 620$1,911

Albany$1,905

Anniston$1,686

Sparta is #310 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 Sparta0 – $2,250 / month

E-1$1,380

E-2$1,380

E-3$1,380

E-4$1,380

E-5$1,395

E-6$1,845

E-7$1,875

E-8$1,905

E-9$1,971

W-1$1,866

W-2$1,887

W-3$1,926

W-4$1,989

W-5$2,073

O-1E$1,878

O-2E$1,917

O-3E$2,001

O-1$1,455

O-2$1,842

O-3$1,923

O-4$2,094

O-5$2,223

O-6$2,238

O-7$2,250

Promoting to O-4 here adds $171 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 Sparta to Westchester County at O-3 is worth $4,710 a month — about 28 promotions worth of housing allowance, at $171 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. $1,923 a month of BAH takes more than $1,923 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 Sparta draws $1,923 per month with dependents in 2026, $1,680 without

What this rate means

Things the rate table doesn't tell you