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 with dependents at White Sands MR draws $2,154 per month in 2026

    Permalinkbahratedesk.com/white-sands-mr-las-cruces-nm/o-3e/with/ExcelCSVDownloads cover this station.
    White Sands MR/Las Cruces, NM
    O-3E · with dependents
    $2,154/ month
    $25,848 / year
    At O-3E, this is #284 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA NM209 · ZIPs 87936 87937 87940 87941 88001 88002 +24 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,762 / mo gross
    Other dependency status here$1,917 without 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-3E · $2,154/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$1,068+$12,816/yr · like +$16,431 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Moody AFB$2,157
    St Mary And Terrebonne$2,157
    Yuma$2,157
    Frankfort$2,154
    White Sands MR$2,154
    Peoria$2,151
    County Cost Group 720$2,148
    Lubbock$2,145
    Little Rock$2,127
    Youngstown$1,788

    White Sands MR is #284 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 a year, untaxed.

    Every pay grade at White Sands MR0 – $2,388 / month
    E-1$1,503
    E-2$1,503
    E-3$1,503
    E-4$1,503
    E-5$1,701
    E-6$1,929
    E-7$1,983
    E-8$2,043
    E-9$2,127
    W-1$1,944
    W-2$2,007
    W-3$2,085
    W-4$2,142
    W-5$2,220
    O-1E$1,989
    O-2E$2,070
    O-3E$2,154
    O-1$1,737
    O-2$1,926
    O-3$2,082
    O-4$2,241
    O-5$2,358
    O-6$2,376
    O-7$2,388

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

    01

    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. $2,154 a month of BAH takes more than $2,154 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.