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

    E-3 with dependents at Toledo draws $1,758 per month in 2026

    Permalinkbahratedesk.com/toledo-oh/e-3/with/ExcelCSVDownloads cover this station.
    Toledo, OH
    E-3 · with dependents
    $1,758/ month
    $21,096 / year
    At E-3, this is #202 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA OH232 · ZIPs 43402 43403 43405 43406 43413 43414 +84 more
    Your grade is calledARMYPFCUSMCLCplNAVYSNUSAFA1C
    Untaxed — matching it with taxable pay takes$2,254 / mo gross
    Other dependency status here$1,320 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Toledo — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,758$1,320
    E-2$1,758$1,320
    E-3$1,758$1,320
    E-4$1,758$1,320
    E-5$2,031$1,524
    E-6$2,166$1,620
    E-7$2,184$1,770
    E-8$2,193$2,064
    E-9$2,283$2,091
    Warrant officer
    W-1$2,181$1,671
    W-2$2,190$2,061
    W-3$2,202$2,100
    W-4$2,319$2,157
    W-5$2,490$2,169
    Officer — prior enlisted
    O-1E$2,187$2,028
    O-2E$2,196$2,085
    O-3E$2,346$2,154
    Officer
    O-1$2,058$1,545
    O-2$2,163$1,944
    O-3$2,199$2,112
    O-4$2,544$2,160
    O-5$2,811$2,172
    O-6$2,832$2,175
    O-7$2,850$2,196
    PCS compareToledo · E-3 · $1,758/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▲ RAISE+$510+$6,120/yr · like +$7,846 of salary

    What this rate means

    E-3 with dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    Abilene$1,761
    Baton Rouge$1,761
    County Cost Group 790$1,761
    Little Rock$1,758
    Toledo$1,758
    Bloomington$1,755
    Helena$1,752
    Indianapolis$1,749
    Fort Campbell$1,743
    Youngstown$1,134

    Toledo is #202 of 338. The spread between the dearest and cheapest station at this grade is $3,933 a month — $47,196 a year, untaxed.

    Every pay grade at Toledo0 – $2,850 / month
    E-1$1,758
    E-2$1,758
    E-3$1,758
    E-4$1,758
    E-5$2,031
    E-6$2,166
    E-7$2,184
    E-8$2,193
    E-9$2,283
    W-1$2,181
    W-2$2,190
    W-3$2,202
    W-4$2,319
    W-5$2,490
    O-1E$2,187
    O-2E$2,196
    O-3E$2,346
    O-1$2,058
    O-2$2,163
    O-3$2,199
    O-4$2,544
    O-5$2,811
    O-6$2,832
    O-7$2,850

    Promoting to E-4 here adds $0 a month. The pay chart moves this allowance far less than the map does.

    01

    Dependency status is worth 33% 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. $1,758 a month of BAH takes more than $1,758 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.