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 with dependents at Yuma draws $2,049 per month in 2026

    Permalinkbahratedesk.com/yuma-az/o-3/with/ExcelCSVDownloads cover this station.
    Yuma, AZ
    O-3 · with dependents
    $2,049/ month
    $24,588 / year
    At O-3, this is #275 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA AZ016 · ZIPs 85333 85336 85347 85349 85350 85352 +6 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,627 / mo gross
    Other dependency status here$1,785 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Yuma — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,551$1,239
    E-2$1,551$1,239
    E-3$1,551$1,239
    E-4$1,551$1,239
    E-5$1,695$1,338
    E-6$1,845$1,413
    E-7$1,917$1,554
    E-8$1,998$1,731
    E-9$2,115$1,764
    Warrant officer
    W-1$1,860$1,512
    W-2$1,950$1,728
    W-3$2,052$1,773
    W-4$2,139$1,854
    W-5$2,253$1,935
    Officer — prior enlisted
    O-1E$1,929$1,692
    O-2E$2,034$1,758
    O-3E$2,157$1,833
    Officer
    O-1$1,722$1,401
    O-2$1,842$1,650
    O-3$2,049$1,785
    O-4$2,283$1,914
    O-5$2,454$1,956
    O-6$2,472$2,031
    O-7$2,487$2,061
    PCS compareYuma · O-3 · $2,049/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$1,023+$12,276/yr · like +$15,738 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    County Cost Group 730$2,064
    Topeka$2,064
    Fort Benning$2,058
    Sumter$2,052
    Yuma$2,049
    County Cost Group 720$2,040
    Gulfport$2,040
    Lafayette$2,040
    Peoria$2,040
    Anniston$1,686

    Yuma is #275 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 a year, untaxed.

    Every pay grade at Yuma0 – $2,487 / month
    E-1$1,551
    E-2$1,551
    E-3$1,551
    E-4$1,551
    E-5$1,695
    E-6$1,845
    E-7$1,917
    E-8$1,998
    E-9$2,115
    W-1$1,860
    W-2$1,950
    W-3$2,052
    W-4$2,139
    W-5$2,253
    O-1E$1,929
    O-2E$2,034
    O-3E$2,157
    O-1$1,722
    O-2$1,842
    O-3$2,049
    O-4$2,283
    O-5$2,454
    O-6$2,472
    O-7$2,487

    Promoting to O-4 here adds $234 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 Yuma to Westchester County at O-3 is worth $4,584 a month — about 20 promotions worth of housing allowance, at $234 per grade here.

    02

    Dependency status is worth 15% 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. $2,049 a month of BAH takes more than $2,049 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.