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 $1,998Without $1,686

    O-3 at Springfield draws $1,998 per month with dependents in 2026, $1,686 without

    Permalinkbahratedesk.com/springfield-mo/o-3/ExcelCSVDownloads cover this station.
    Springfield, MO
    O-3 · with dependents
    $1,998/ month
    $23,976 / year
    At O-3, this is #289 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA MO164 · ZIPs 65604 65610 65612 65619 65620 65629 +32 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,562 / mo gross
    Without dependents here$1,686 / mo
    In government quarters, no dependents$50.10 / mo partial
    Springfield — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,293$1,146
    E-2$1,293$1,146
    E-3$1,293$1,146
    E-4$1,293$1,146
    E-5$1,389$1,167
    E-6$1,857$1,392
    E-7$1,908$1,431
    E-8$1,962$1,488
    E-9$2,103$1,623
    Warrant officer
    W-1$1,878$1,410
    W-2$1,932$1,485
    W-3$2,001$1,641
    W-4$2,142$1,863
    W-5$2,319$1,920
    Officer — prior enlisted
    O-1E$1,914$1,437
    O-2E$1,989$1,593
    O-3E$2,169$1,851
    Officer
    O-1$1,452$1,194
    O-2$1,851$1,434
    O-3$1,998$1,686
    O-4$2,376$1,902
    O-5$2,649$1,986
    O-6$2,670$2,004
    O-7$2,685$2,013
    PCS compareSpringfield · O-3 · $1,998/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$1,074+$12,888/yr · like +$16,523 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Moody AFB$2,004
    Springfield$2,001
    Terre Haute$2,001
    County Cost Group 700$1,998
    Springfield$1,998
    Lubbock$1,983
    County Cost Group 690$1,980
    Akron$1,977
    Lake Charles$1,977
    Anniston$1,686

    Springfield is #289 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 Springfield0 – $2,685 / month
    E-1$1,293
    E-2$1,293
    E-3$1,293
    E-4$1,293
    E-5$1,389
    E-6$1,857
    E-7$1,908
    E-8$1,962
    E-9$2,103
    W-1$1,878
    W-2$1,932
    W-3$2,001
    W-4$2,142
    W-5$2,319
    O-1E$1,914
    O-2E$1,989
    O-3E$2,169
    O-1$1,452
    O-2$1,851
    O-3$1,998
    O-4$2,376
    O-5$2,649
    O-6$2,670
    O-7$2,685

    Promoting to O-4 here adds $378 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 Springfield to Westchester County at O-3 is worth $4,635 a month — about 12 promotions worth of housing allowance, at $378 per grade here.

    02

    Dependency status is worth 19% 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. $1,998 a month of BAH takes more than $1,998 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.