Official data current

St. Louis BAH rates

Verified · Effective 2026-01-01 · MHA MO161

Don't know your pay grade? Use a rank name
Rank name

Press Enter to look it up.

O-3E · With dependents
$2,892per month

$34,704 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #136 of 338O-3E · with dependents reference
Taxable-pay equivalent$3,708/mo Using the stated 22% comparison rate
Year-over-year change+$96/mo · +3.4%2025 $2,796 → 2026 $2,892
O-3E rate selectedMHA MO161 ZIPs 62001 62002 62010 62018 62021 62024 +143
PCS compare St. Louis · O-3E · with dep. · $2,892/mo
St. Louis $2,892/mo · $34,704/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Open full comparison

Rate history

How updates work
2025$2,796
2026$2,892

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

St. Louis — full sheet Tap a row

What this rate means

O-3E with dependents, nearest stations0 – $7,023 / month
Westchester County $7,023
Spokane $2,937
Dallas $2,934
Buffalo $2,919
Syracuse $2,919
Eugene $2,913
Patuxent River $2,910
College Station $2,904
Fort Collins $2,901
Nashville $2,898
Helena $2,895
St. Louis $2,892
Richmond $2,883
Rochester $2,880
Savannah $2,874
County Cost Group 820 $2,868
Norfolk $2,859
Barstow $2,856
Houston $2,856
Gainesville $2,850
Salem $2,847
Yakima $2,847
Youngstown $1,788

St. Louis is #136 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 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

The pay chart moves this allowance far less than the map does.

What the rate table does not 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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…