What is O-3 BAH at Topeka in 2026?

$2,064 per month with dependents ($24,768 per year), effective 01 JAN 2026. Without dependents it is $1,776 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Topeka 2026 — $2,064 with dependents, $1,776 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Topeka, KS

O-3 · with dependents

$2,064/ month

$24,768 / year

At O-3, this is #272 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA KS105 · ZIPs 66402 66409 66420 66533 66539 66542 +32 more

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Untaxed — matching it with taxable pay takes$2,646 / mo gross

Without dependents here$1,776 / mo

In government quarters, no dependents$50.10 / mo partial

Topeka — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,503	$1,185
E-2	$1,503	$1,185
E-3	$1,503	$1,185
E-4	$1,503	$1,185
E-5	$1,626	$1,302
E-6	$1,869	$1,398
E-7	$1,938	$1,506
E-8	$2,016	$1,680
E-9	$2,154	$1,743
Warrant officer
W-1	$1,884	$1,473
W-2	$1,968	$1,677
W-3	$2,067	$1,755
W-4	$2,187	$1,878
W-5	$2,337	$1,953
Officer — prior enlisted
O-1E	$1,950	$1,623
O-2E	$2,049	$1,728
O-3E	$2,211	$1,857
Officer
O-1	$1,662	$1,377
O-2	$1,866	$1,590
O-3	$2,064	$1,776
O-4	$2,385	$1,935
O-5	$2,619	$1,974
O-6	$2,637	$2,043
O-7	$2,655	$2,076

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

Camp Lejeune$2,085

Wilkes-Barre$2,085

White Sands MR$2,082

County Cost Group 730$2,064

Topeka$2,064

Fort Benning$2,058

Sumter$2,052

Yuma$2,049

County Cost Group 720$2,040

Anniston$1,686

Topeka is #272 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 Topeka0 – $2,655 / month

E-1$1,503

E-2$1,503

E-3$1,503

E-4$1,503

E-5$1,626

E-6$1,869

E-7$1,938

E-8$2,016

E-9$2,154

W-1$1,884

W-2$1,968

W-3$2,067

W-4$2,187

W-5$2,337

O-1E$1,950

O-2E$2,049

O-3E$2,211

O-1$1,662

O-2$1,866

O-3$2,064

O-4$2,385

O-5$2,619

O-6$2,637

O-7$2,655

Promoting to O-4 here adds $321 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Topeka to Westchester County at O-3 is worth $4,569 a month — about 14 promotions worth of housing allowance, at $321 per grade here.

Dependency status is worth 16% 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.

None of it is taxed. $2,064 a month of BAH takes more than $2,064 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-3 at Topeka draws $2,064 per month with dependents in 2026, $1,776 without

What this rate means

Things the rate table doesn't tell you