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 Point draws $3,882 per month in 2026

    Permalinkbahratedesk.com/west-point-ny/o-3/without/ExcelCSVDownloads cover this station.
    West Point, NY
    O-3 · without dependents
    $3,882/ month
    $46,584 / year
    At O-3, this is #21 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA NY217 · ZIPs 10901 10910 10911 10912 10913 10914 +77 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,977 / mo gross
    Other dependency status here$4,380 with dependents
    In government quarters, no dependents$50.10 / mo partial
    West Point — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,258$2,514
    E-2$3,258$2,514
    E-3$3,258$2,514
    E-4$3,258$2,514
    E-5$3,468$2,859
    E-6$4,119$3,090
    E-7$4,215$3,264
    E-8$4,317$3,600
    E-9$4,521$3,795
    Warrant officer
    W-1$4,140$3,195
    W-2$4,257$3,597
    W-3$4,383$3,819
    W-4$4,572$4,137
    W-5$4,806$4,236
    Officer — prior enlisted
    O-1E$4,230$3,465
    O-2E$4,362$3,753
    O-3E$4,608$4,113
    Officer
    O-1$3,549$3,045
    O-2$4,113$3,402
    O-3$4,380$3,882
    O-4$4,884$4,215
    O-5$5,253$4,269
    O-6$5,298$4,362
    O-7$5,340$4,440
    PCS compareWest Point · O-3 · $3,882/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$1,239−$14,868/yr · like −$19,062 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Florida Keys$4,017
    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
    Youngstown$1,344

    West Point is #21 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 Point0 – $4,440 / month
    E-1$2,514
    E-2$2,514
    E-3$2,514
    E-4$2,514
    E-5$2,859
    E-6$3,090
    E-7$3,264
    E-8$3,600
    E-9$3,795
    W-1$3,195
    W-2$3,597
    W-3$3,819
    W-4$4,137
    W-5$4,236
    O-1E$3,465
    O-2E$3,753
    O-3E$4,113
    O-1$3,045
    O-2$3,402
    O-3$3,882
    O-4$4,215
    O-5$4,269
    O-6$4,362
    O-7$4,440

    Promoting to O-4 here adds $333 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 Point to San Francisco at O-3 is worth $1,449 a month — about 4 promotions worth of housing allowance, at $333 per grade here.

    02

    Dependency status is worth 13% 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. $3,882 a month of BAH takes more than $3,882 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.