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 West Palm Beach draws $3,534 per month in 2026

    Permalinkbahratedesk.com/west-palm-beach-fl/o-3/without/ExcelCSVDownloads cover this station.
    West Palm Beach, FL
    O-3 · without dependents
    $3,534/ month
    $42,408 / year
    At O-3, this is #35 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA FL067 · ZIPs 33401 33402 33403 33404 33405 33406 +60 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,531 / mo gross
    Other dependency status here$3,975 with dependents
    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 · $3,534/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$891−$10,692/yr · like −$13,708 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Marin$3,630
    Seattle$3,627
    Chicago$3,603
    Portsmouth$3,555
    West Palm Beach$3,534
    Washington$3,531
    Vandenberg SFB$3,528
    Burlington$3,516
    New Haven$3,483
    Youngstown$1,344

    West Palm Beach is #35 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 West Palm Beach0 – $4,029 / month
    E-1$2,409
    E-2$2,409
    E-3$2,409
    E-4$2,409
    E-5$2,763
    E-6$2,976
    E-7$3,198
    E-8$3,465
    E-9$3,510
    W-1$3,117
    W-2$3,462
    W-3$3,519
    W-4$3,630
    W-5$3,771
    O-1E$3,420
    O-2E$3,498
    O-3E$3,594
    O-1$2,952
    O-2$3,348
    O-3$3,534
    O-4$3,741
    O-5$3,822
    O-6$3,960
    O-7$4,029

    Promoting to O-4 here adds $207 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 San Francisco at O-3 is worth $1,797 a month — about 9 promotions worth of housing allowance, at $207 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. $3,534 a month of BAH takes more than $3,534 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.