What is O-3 BAH at Vance AFB in 2026?

$1,443 per month without dependents ($17,316 per year), effective 01 JAN 2026. with dependents it is $1,818 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 Vance AFB 2026 — $1,443/mo without dependents

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

Vance AFB/Enid, OK

O-3 · without dependents

$1,443/ month

$17,316 / year

At O-3, this is #335 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344

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Untaxed — matching it with taxable pay takes$1,850 / mo gross

Other dependency status here$1,818 with dependents

In government quarters, no dependents$50.10 / mo partial

Vance AFB — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,155	$1,008
E-2	$1,155	$1,008
E-3	$1,155	$1,008
E-4	$1,155	$1,008
E-5	$1,200	$1,065
E-6	$1,512	$1,131
E-7	$1,623	$1,218
E-8	$1,743	$1,308
E-9	$1,914	$1,437
Warrant officer
W-1	$1,530	$1,155
W-2	$1,671	$1,266
W-3	$1,821	$1,440
W-4	$1,950	$1,530
W-5	$2,112	$1,647
Officer — prior enlisted
O-1E	$1,641	$1,230
O-2E	$1,797	$1,347
O-3E	$1,977	$1,503
Officer
O-1	$1,245	$1,107
O-2	$1,509	$1,221
O-3	$1,818	$1,443
O-4	$2,163	$1,623
O-5	$2,415	$1,812
O-6	$2,430	$1,824
O-7	$2,445	$1,833

What this rate means

O-3 without dependents, nearest stations0 – $5,331 / month

San Francisco$5,331

Cannon AFB$1,506

Hattiesburg$1,470

Monroe$1,470

Altus AFB$1,449

Vance AFB$1,443

Fort Sill$1,395

Anniston$1,377

Youngstown$1,344

Vance AFB is #335 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 Vance AFB0 – $1,833 / month

E-1$1,008

E-2$1,008

E-3$1,008

E-4$1,008

E-5$1,065

E-6$1,131

E-7$1,218

E-8$1,308

E-9$1,437

W-1$1,155

W-2$1,266

W-3$1,440

W-4$1,530

W-5$1,647

O-1E$1,230

O-2E$1,347

O-3E$1,503

O-1$1,107

O-2$1,221

O-3$1,443

O-4$1,623

O-5$1,812

O-6$1,824

O-7$1,833

Promoting to O-4 here adds $180 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 Vance AFB to San Francisco at O-3 is worth $3,888 a month — about 22 promotions worth of housing allowance, at $180 per grade here.

Dependency status is worth 26% 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. $1,443 a month of BAH takes more than $1,443 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 without dependents at Vance AFB draws $1,443 per month in 2026

What this rate means

Things the rate table doesn't tell you