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

    W-3 without dependents at Stevens Point draws $1,536 per month in 2026

    Permalinkbahratedesk.com/stevens-point-wi/w-3/without/ExcelCSVDownloads cover this station.
    Stevens Point, WI
    W-3 · without dependents
    $1,536/ month
    $18,432 / year
    At W-3, this is #319 of 338 stations loaded · high San Francisco $5,301 · low Youngstown $1,341
    MHA WI359 · ZIPs 54401 54402 54403 54406 54407 54408 +38 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$1,969 / mo gross
    Other dependency status here$1,749 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Stevens Point — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,287$1,038
    E-2$1,287$1,038
    E-3$1,287$1,038
    E-4$1,287$1,038
    E-5$1,338$1,161
    E-6$1,707$1,281
    E-7$1,731$1,299
    E-8$1,740$1,416
    E-9$1,764$1,521
    Warrant officer
    W-1$1,728$1,296
    W-2$1,737$1,413
    W-3$1,749$1,536
    W-4$1,779$1,704
    W-5$1,860$1,713
    Officer — prior enlisted
    O-1E$1,734$1,335
    O-2E$1,743$1,497
    O-3E$1,791$1,701
    Officer
    O-1$1,389$1,236
    O-2$1,704$1,326
    O-3$1,746$1,572
    O-4$1,878$1,707
    O-5$1,998$1,716
    O-6$2,010$1,719
    O-7$2,022$1,722
    PCS compareStevens Point · W-3 · $1,536/mo
    Aberdeen Proving Grounds$2,619/mo · $31,428/yr
    ▲ RAISE+$1,083+$12,996/yr · like +$16,662 of salary

    What this rate means

    W-3 without dependents, nearest stations0 – $5,301 / month
    San Francisco$5,301
    Fort Polk$1,551
    Lake Charles$1,548
    Wichita$1,545
    County Cost Group 580$1,539
    Stevens Point$1,536
    Alexandria$1,533
    County Cost Group 570$1,530
    Fort Chaffee$1,524
    Meridian$1,524
    Youngstown$1,341

    Stevens Point is #319 of 338. The spread between the dearest and cheapest station at this grade is $3,960 a month — $47,520 a year, untaxed.

    Every pay grade at Stevens Point0 – $1,722 / month
    E-1$1,038
    E-2$1,038
    E-3$1,038
    E-4$1,038
    E-5$1,161
    E-6$1,281
    E-7$1,299
    E-8$1,416
    E-9$1,521
    W-1$1,296
    W-2$1,413
    W-3$1,536
    W-4$1,704
    W-5$1,713
    O-1E$1,335
    O-2E$1,497
    O-3E$1,701
    O-1$1,236
    O-2$1,326
    O-3$1,572
    O-4$1,707
    O-5$1,716
    O-6$1,719
    O-7$1,722

    Promoting to W-4 here adds $168 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 Stevens Point to San Francisco at W-3 is worth $3,765 a month — about 22 promotions worth of housing allowance, at $168 per grade here.

    02

    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.

    03

    None of it is taxed. $1,536 a month of BAH takes more than $1,536 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.