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 $2,760Without $2,571

    O-3 at St. Louis draws $2,760 per month with dependents in 2026, $2,571 without

    Permalinkbahratedesk.com/st-louis-mo/o-3/ExcelCSVDownloads cover this station.
    St. Louis, MO
    O-3 · with dependents
    $2,760/ month
    $33,120 / year
    At O-3, this is #136 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA MO161 · ZIPs 62001 62002 62010 62018 62021 62024 +143 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,538 / mo gross
    Without dependents here$2,571 / mo
    In government quarters, no dependents$50.10 / mo partial
    St. Louis — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,268$1,701
    E-2$2,268$1,701
    E-3$2,268$1,701
    E-4$2,268$1,701
    E-5$2,436$1,947
    E-6$2,655$2,112
    E-7$2,691$2,271
    E-8$2,733$2,487
    E-9$2,841$2,541
    Warrant officer
    W-1$2,673$2,220
    W-2$2,709$2,484
    W-3$2,763$2,553
    W-4$2,871$2,655
    W-5$3,006$2,700
    Officer — prior enlisted
    O-1E$2,694$2,433
    O-2E$2,751$2,529
    O-3E$2,892$2,646
    Officer
    O-1$2,472$2,094
    O-2$2,652$2,385
    O-3$2,760$2,571
    O-4$3,048$2,685
    O-5$3,261$2,703
    O-6$3,285$2,739
    O-7$3,309$2,784
    PCS compareSt. Louis · O-3 · $2,760/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$312+$3,744/yr · like +$4,800 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Helena$2,772
    Patuxent River$2,769
    Eugene$2,766
    Richmond$2,760
    St. Louis$2,760
    Rochester$2,757
    Barstow$2,748
    Atlanta$2,745
    Savannah$2,745
    Anniston$1,686

    St. Louis is #136 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 St. Louis0 – $3,309 / month
    E-1$2,268
    E-2$2,268
    E-3$2,268
    E-4$2,268
    E-5$2,436
    E-6$2,655
    E-7$2,691
    E-8$2,733
    E-9$2,841
    W-1$2,673
    W-2$2,709
    W-3$2,763
    W-4$2,871
    W-5$3,006
    O-1E$2,694
    O-2E$2,751
    O-3E$2,892
    O-1$2,472
    O-2$2,652
    O-3$2,760
    O-4$3,048
    O-5$3,261
    O-6$3,285
    O-7$3,309

    Promoting to O-4 here adds $288 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 St. Louis to Westchester County at O-3 is worth $3,873 a month — about 13 promotions worth of housing allowance, at $288 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. $2,760 a month of BAH takes more than $2,760 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.