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 St. Louis draws $2,571 per month in 2026

    Permalinkbahratedesk.com/st-louis-mo/o-3/without/ExcelCSVDownloads cover this station.
    St. Louis, MO
    O-3 · without dependents
    $2,571/ month
    $30,852 / year
    At O-3, this is #111 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA MO161 · ZIPs 62001 62002 62010 62018 62021 62024 +143 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,296 / mo gross
    Other dependency status here$2,760 with dependents
    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 · $2,571/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$72+$864/yr · like +$1,108 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Eglin AFB$2,592
    Atlanta$2,589
    Charlottesville$2,589
    Reno$2,571
    St. Louis$2,571
    Dahlgren$2,568
    Savannah$2,562
    Bridgeport$2,541
    Elizabeth City$2,538
    Youngstown$1,344

    St. Louis is #111 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 St. Louis0 – $2,784 / month
    E-1$1,701
    E-2$1,701
    E-3$1,701
    E-4$1,701
    E-5$1,947
    E-6$2,112
    E-7$2,271
    E-8$2,487
    E-9$2,541
    W-1$2,220
    W-2$2,484
    W-3$2,553
    W-4$2,655
    W-5$2,700
    O-1E$2,433
    O-2E$2,529
    O-3E$2,646
    O-1$2,094
    O-2$2,385
    O-3$2,571
    O-4$2,685
    O-5$2,703
    O-6$2,739
    O-7$2,784

    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 St. Louis to San Francisco at O-3 is worth $2,760 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. $2,571 a month of BAH takes more than $2,571 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.