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
    Dependents

    O-3E without dependents at Willow Grove draws $3,393 per month in 2026

    Permalinkbahratedesk.com/willow-grove-pa/o-3e/without/ExcelCSVDownloads cover this station.
    Willow Grove, PA
    O-3E · without dependents
    $3,393/ month
    $40,716 / year
    At O-3E, this is #50 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA PA249 · ZIPs 18039 18041 18054 18070 18073 18074 +207 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,350 / mo gross
    Other dependency status here$3,549 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Willow Grove — full sheetTap a row
    PCS compareWillow Grove · O-3E · $3,393/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▼ CUT$660−$7,920/yr · like −$10,154 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    Providence$3,447
    Newport$3,441
    JB McGuire-Dix-Lakehurst$3,438
    Santa Fe$3,408
    Willow Grove$3,393
    Worcester$3,384
    San Bernardino$3,369
    Warrenton$3,369
    Indian Head Navordsta$3,366
    Youngstown$1,347

    Willow Grove is #50 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 Willow Grove0 – $3,447 / month
    E-1$2,049
    E-2$2,049
    E-3$2,049
    E-4$2,049
    E-5$2,337
    E-6$2,550
    E-7$2,736
    E-8$3,030
    E-9$3,165
    W-1$2,670
    W-2$3,027
    W-3$3,183
    W-4$3,396
    W-5$3,405
    O-1E$2,931
    O-2E$3,135
    O-3E$3,393
    O-1$2,523
    O-2$2,871
    O-3$3,228
    O-4$3,399
    O-5$3,408
    O-6$3,411
    O-7$3,447

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

    01

    Dependency status is worth 5% 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. $3,393 a month of BAH takes more than $3,393 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.