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
    With $3,975Without $3,534

    O-3 at West Palm Beach draws $3,975 per month with dependents in 2026, $3,534 without

    Permalinkbahratedesk.com/west-palm-beach-fl/o-3/ExcelCSVDownloads cover this station.
    West Palm Beach, FL
    O-3 · with dependents
    $3,975/ month
    $47,700 / year
    At O-3, this is #40 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA FL067 · ZIPs 33401 33402 33403 33404 33405 33406 +60 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$5,096 / mo gross
    Without dependents here$3,534 / mo
    In government quarters, no dependents$50.10 / mo partial
    West Palm Beach — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,189$2,409
    E-2$3,189$2,409
    E-3$3,189$2,409
    E-4$3,189$2,409
    E-5$3,423$2,763
    E-6$3,606$2,976
    E-7$3,738$3,198
    E-8$3,885$3,465
    E-9$4,110$3,510
    Warrant officer
    W-1$3,624$3,117
    W-2$3,798$3,462
    W-3$3,981$3,519
    W-4$4,155$3,630
    W-5$4,371$3,771
    Officer — prior enlisted
    O-1E$3,765$3,420
    O-2E$3,954$3,498
    O-3E$4,191$3,594
    Officer
    O-1$3,453$2,952
    O-2$3,603$3,348
    O-3$3,975$3,534
    O-4$4,443$3,741
    O-5$4,782$3,822
    O-6$4,824$3,960
    O-7$4,860$4,029
    PCS compareWest Palm Beach · O-3 · $3,975/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▼ CUT−$903−$10,836/yr · like −$13,892 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Newport$4,137
    Fitchburg$4,059
    Washington$4,020
    Providence$4,008
    West Palm Beach$3,975
    Hawaii County$3,945
    New Haven$3,843
    County Cost Group 890$3,828
    Vandenberg SFB$3,780
    Anniston$1,686

    West Palm Beach is #40 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 West Palm Beach0 – $4,860 / month
    E-1$3,189
    E-2$3,189
    E-3$3,189
    E-4$3,189
    E-5$3,423
    E-6$3,606
    E-7$3,738
    E-8$3,885
    E-9$4,110
    W-1$3,624
    W-2$3,798
    W-3$3,981
    W-4$4,155
    W-5$4,371
    O-1E$3,765
    O-2E$3,954
    O-3E$4,191
    O-1$3,453
    O-2$3,603
    O-3$3,975
    O-4$4,443
    O-5$4,782
    O-6$4,824
    O-7$4,860

    Promoting to O-4 here adds $468 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 West Palm Beach to Westchester County at O-3 is worth $2,658 a month — about 6 promotions worth of housing allowance, at $468 per grade here.

    02

    Dependency status is worth 12% 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. $3,975 a month of BAH takes more than $3,975 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.