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 Ventura draws $3,834 per month in 2026

    Permalinkbahratedesk.com/ventura-ca/o-3/without/ExcelCSVDownloads cover this station.
    Ventura, CA
    O-3 · without dependents
    $3,834/ month
    $46,008 / year
    At O-3, this is #22 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA CA025 · ZIPs 91319 91320 91358 91359 91360 91361 +67 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,915 / mo gross
    Other dependency status here$4,212 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Ventura — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,378$2,652
    E-2$3,378$2,652
    E-3$3,378$2,652
    E-4$3,378$2,652
    E-5$3,537$3,018
    E-6$4,008$3,228
    E-7$4,083$3,381
    E-8$4,161$3,636
    E-9$4,305$3,771
    Warrant officer
    W-1$4,029$3,333
    W-2$4,116$3,633
    W-3$4,215$3,789
    W-4$4,341$4,020
    W-5$4,497$4,101
    Officer — prior enlisted
    O-1E$4,095$3,534
    O-2E$4,200$3,741
    O-3E$4,365$4,002
    Officer
    O-1$3,600$3,213
    O-2$4,002$3,486
    O-3$4,212$3,834
    O-4$4,545$4,080
    O-5$4,788$4,122
    O-6$4,830$4,194
    O-7$4,866$4,269
    PCS compareVentura · O-3 · $3,834/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$1,191−$14,292/yr · like −$18,323 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Oakland$3,981
    Cape Cod-Plymouth$3,966
    Fort Monmouth$3,888
    West Point$3,882
    Ventura$3,834
    Perth Amboy$3,825
    Honolulu County$3,819
    Trenton$3,786
    Hawaii County$3,744
    Youngstown$1,344

    Ventura is #22 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 Ventura0 – $4,269 / month
    E-1$2,652
    E-2$2,652
    E-3$2,652
    E-4$2,652
    E-5$3,018
    E-6$3,228
    E-7$3,381
    E-8$3,636
    E-9$3,771
    W-1$3,333
    W-2$3,633
    W-3$3,789
    W-4$4,020
    W-5$4,101
    O-1E$3,534
    O-2E$3,741
    O-3E$4,002
    O-1$3,213
    O-2$3,486
    O-3$3,834
    O-4$4,080
    O-5$4,122
    O-6$4,194
    O-7$4,269

    Promoting to O-4 here adds $246 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 Ventura to San Francisco at O-3 is worth $1,497 a month — about 6 promotions worth of housing allowance, at $246 per grade here.

    02

    Dependency status is worth 10% 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. $3,834 a month of BAH takes more than $3,834 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.