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 White Sands MR draws $1,842 per month in 2026

    Permalinkbahratedesk.com/white-sands-mr-las-cruces-nm/o-3/without/ExcelCSVDownloads cover this station.
    White Sands MR/Las Cruces, NM
    O-3 · without dependents
    $1,842/ month
    $22,104 / year
    At O-3, this is #249 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA NM209 · ZIPs 87936 87937 87940 87941 88001 88002 +24 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,362 / mo gross
    Other dependency status here$2,082 with dependents
    In government quarters, no dependents$50.10 / mo partial
    White Sands MR — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,503$1,155
    E-2$1,503$1,155
    E-3$1,503$1,155
    E-4$1,503$1,155
    E-5$1,701$1,275
    E-6$1,929$1,443
    E-7$1,983$1,509
    E-8$2,043$1,752
    E-9$2,127$1,809
    Warrant officer
    W-1$1,944$1,458
    W-2$2,007$1,749
    W-3$2,085$1,821
    W-4$2,142$1,932
    W-5$2,220$1,995
    Officer — prior enlisted
    O-1E$1,989$1,698
    O-2E$2,070$1,797
    O-3E$2,154$1,917
    Officer
    O-1$1,737$1,302
    O-2$1,926$1,638
    O-3$2,082$1,842
    O-4$2,241$1,977
    O-5$2,358$2,007
    O-6$2,376$2,061
    O-7$2,388$2,094
    PCS compareWhite Sands MR · O-3 · $1,842/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$801+$9,612/yr · like +$12,323 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    County Cost Group 760$1,878
    Fort Benning$1,878
    Sioux Falls$1,854
    Robins AFB$1,842
    White Sands MR$1,842
    County Cost Group 750$1,833
    Fort Hood$1,833
    Scott AFB$1,830
    Tulsa$1,830
    Youngstown$1,344

    White Sands MR is #249 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 White Sands MR0 – $2,094 / month
    E-1$1,155
    E-2$1,155
    E-3$1,155
    E-4$1,155
    E-5$1,275
    E-6$1,443
    E-7$1,509
    E-8$1,752
    E-9$1,809
    W-1$1,458
    W-2$1,749
    W-3$1,821
    W-4$1,932
    W-5$1,995
    O-1E$1,698
    O-2E$1,797
    O-3E$1,917
    O-1$1,302
    O-2$1,638
    O-3$1,842
    O-4$1,977
    O-5$2,007
    O-6$2,061
    O-7$2,094

    Promoting to O-4 here adds $135 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 White Sands MR to San Francisco at O-3 is worth $3,489 a month — about 26 promotions worth of housing allowance, at $135 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. $1,842 a month of BAH takes more than $1,842 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.