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-3E without dependents at Westchester County draws $5,361 per month in 2026

    Permalinkbahratedesk.com/westchester-county-ny/o-3e/without/ExcelCSVDownloads cover this station.
    Westchester County, NY
    O-3E · without dependents
    $5,361/ month
    $64,332 / year
    At O-3E, this is #2 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA NY349 · ZIPs 10501 10502 10503 10504 10505 10506 +84 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$6,873 / mo gross
    Other dependency status here$7,023 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Westchester County — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$4,182$3,138
    E-2$4,182$3,138
    E-3$4,182$3,138
    E-4$4,182$3,138
    E-5$4,479$3,606
    E-6$5,367$4,026
    E-7$5,832$4,374
    E-8$6,333$4,749
    E-9$6,882$5,163
    Warrant officer
    W-1$5,400$4,086
    W-2$6,036$4,653
    W-3$6,654$5,166
    W-4$6,963$5,478
    W-5$7,338$5,946
    Officer — prior enlisted
    O-1E$5,931$4,476
    O-2E$6,564$4,923
    O-3E$7,023$5,361
    Officer
    O-1$4,587$3,885
    O-2$5,355$4,383
    O-3$6,633$5,169
    O-4$7,470$5,874
    O-5$8,064$6,162
    O-6$8,136$6,633
    O-7$8,208$6,759
    PCS compareWestchester County · O-3E · $5,361/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▼ CUT−$2,628−$31,536/yr · like −$40,431 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    Westchester County$5,361
    Nantucket$5,121
    New York City$5,115
    Northern New Jersey$5,043
    Santa Clara County$4,971
    Youngstown$1,347

    Westchester County is #2 of 338. The spread between the dearest and cheapest station at this grade is $4,098 a month — $49,176 a year, untaxed.

    Every pay grade at Westchester County0 – $6,759 / month
    E-1$3,138
    E-2$3,138
    E-3$3,138
    E-4$3,138
    E-5$3,606
    E-6$4,026
    E-7$4,374
    E-8$4,749
    E-9$5,163
    W-1$4,086
    W-2$4,653
    W-3$5,166
    W-4$5,478
    W-5$5,946
    O-1E$4,476
    O-2E$4,923
    O-3E$5,361
    O-1$3,885
    O-2$4,383
    O-3$5,169
    O-4$5,874
    O-5$6,162
    O-6$6,633
    O-7$6,759

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 31% 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. $5,361 a month of BAH takes more than $5,361 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.