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 Topeka draws $1,776 per month in 2026

    Permalinkbahratedesk.com/topeka-ks/o-3/without/ExcelCSVDownloads cover this station.
    Topeka, KS
    O-3 · without dependents
    $1,776/ month
    $21,312 / year
    At O-3, this is #269 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA KS105 · ZIPs 66402 66409 66420 66533 66539 66542 +32 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,277 / mo gross
    Other dependency status here$2,064 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Topeka — full sheetTap a row
    GradeWith 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
    PCS compareTopeka · O-3 · $1,776/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$867+$10,404/yr · like +$13,338 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Yuma$1,785
    County Cost Group 740$1,782
    Columbus AFB$1,779
    Sault Ste Marie$1,779
    Topeka$1,776
    Moody AFB$1,773
    Oklahoma City$1,773
    Wright-Patterson AFB$1,773
    Beaumont$1,770
    Youngstown$1,344

    Topeka is #269 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 Topeka0 – $2,076 / month
    E-1$1,185
    E-2$1,185
    E-3$1,185
    E-4$1,185
    E-5$1,302
    E-6$1,398
    E-7$1,506
    E-8$1,680
    E-9$1,743
    W-1$1,473
    W-2$1,677
    W-3$1,755
    W-4$1,878
    W-5$1,953
    O-1E$1,623
    O-2E$1,728
    O-3E$1,857
    O-1$1,377
    O-2$1,590
    O-3$1,776
    O-4$1,935
    O-5$1,974
    O-6$2,043
    O-7$2,076

    Promoting to O-4 here adds $159 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 Topeka to San Francisco at O-3 is worth $3,555 a month — about 22 promotions worth of housing allowance, at $159 per grade here.

    02

    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.

    03

    None of it is taxed. $1,776 a month of BAH takes more than $1,776 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.