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 Waco draws $1,971 per month in 2026

    Permalinkbahratedesk.com/waco-tx/o-3/without/ExcelCSVDownloads cover this station.
    Waco, TX
    O-3 · without dependents
    $1,971/ month
    $23,652 / year
    At O-3, this is #230 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA TX415 · ZIPs 76524 76557 76624 76630 76633 76638 +27 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,527 / mo gross
    Other dependency status here$2,379 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Waco — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,617$1,404
    E-2$1,617$1,404
    E-3$1,617$1,404
    E-4$1,617$1,404
    E-5$1,755$1,440
    E-6$2,097$1,572
    E-7$2,199$1,650
    E-8$2,310$1,830
    E-9$2,496$1,926
    Warrant officer
    W-1$2,118$1,590
    W-2$2,244$1,827
    W-3$2,382$1,938
    W-4$2,538$2,118
    W-5$2,730$2,223
    Officer — prior enlisted
    O-1E$2,217$1,752
    O-2E$2,361$1,902
    O-3E$2,568$2,091
    Officer
    O-1$1,803$1,473
    O-2$2,094$1,713
    O-3$2,379$1,971
    O-4$2,793$2,199
    O-5$3,093$2,319
    O-6$3,117$2,361
    O-7$3,138$2,400
    PCS compareWaco · O-3 · $1,971/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$672+$8,064/yr · like +$10,338 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Bismarck$1,980
    Mountain Home AFB$1,977
    Huntsville$1,974
    Morehead$1,971
    Waco$1,971
    Fort Bragg$1,956
    Fort Knox$1,956
    Shreveport$1,956
    Bloomington$1,953
    Youngstown$1,344

    Waco is #230 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 Waco0 – $2,400 / month
    E-1$1,404
    E-2$1,404
    E-3$1,404
    E-4$1,404
    E-5$1,440
    E-6$1,572
    E-7$1,650
    E-8$1,830
    E-9$1,926
    W-1$1,590
    W-2$1,827
    W-3$1,938
    W-4$2,118
    W-5$2,223
    O-1E$1,752
    O-2E$1,902
    O-3E$2,091
    O-1$1,473
    O-2$1,713
    O-3$1,971
    O-4$2,199
    O-5$2,319
    O-6$2,361
    O-7$2,400

    Promoting to O-4 here adds $228 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 Waco to San Francisco at O-3 is worth $3,360 a month — about 15 promotions worth of housing allowance, at $228 per grade here.

    02

    Dependency status is worth 21% 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. $1,971 a month of BAH takes more than $1,971 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.