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O-3 BAH Rates 2026 by Location
Monthly Basic Allowance for Housing for an O-3 in all 299 military housing areas — official DoD rates for 2026.
Median, with dependents
$2,601
Median, without dependents
$2,298
Range, with dependents
$1,686 – $6,633
Highest O-3 BAH
Housing area With dependents Without dependents Westchester County, NY $6,633 $5,169 Maui County, HI $5,571 $4,608 San Francisco, CA $5,556 $5,331 New York City, NY $5,529 $5,112 Nantucket, MA $5,442 $4,842 Santa Clara County, CA $5,199 $4,860 Boston, MA $5,163 $4,815 Northern New Jersey, NJ $5,094 $4,938 Long Island, NY $5,061 $4,644 Martha's Vineyard, MA $5,025 $4,371
Lowest O-3 BAH
Housing area With dependents Without dependents Anniston/Fort Mcclellan, AL $1,686 $1,377 Monroe, LA $1,728 $1,470 Stevens Point, WI $1,746 $1,572 Fort Sill/Lawton, OK $1,758 $1,395 Youngstown, OH $1,767 $1,344 Vance AFB/Enid, OK $1,818 $1,443 Altus AFB, OK $1,833 $1,449 Saginaw, MI $1,842 $1,656 Charleston, WV $1,860 $1,632 Hattiesburg, MS $1,866 $1,470
Look up BAH by ZIP code →
All 299 housing areas, O-3
Housing area With dependents Without dependents Aberdeen Proving Grounds, MD $3,072 $2,643 Abilene/Dyess AFB, TX $2,859 $2,475 Akron, OH $1,977 $1,797 Albany, GA $1,905 $1,515 Albuquerque/Kirtland AFB, NM $2,397 $2,280 Alexandria, LA $1,950 $1,536 Allentown/Bethlehem, PA $2,880 $2,670 Altus AFB, OK $1,833 $1,449 Anchorage, AK $3,360 $2,643 Ann Arbor, MI $3,357 $2,889 Annapolis, MD $3,438 $3,114 Anniston/Fort Mcclellan, AL $1,686 $1,377 Asheville, NC $2,835 $2,439 Astoria, OR $3,213 $2,526 Atlanta, GA $2,745 $2,589 Atlantic City, NJ $3,624 $3,060 Auburn, AL $2,412 $1,884 Austin, TX $3,447 $2,676 Ballston Spa/Albany, NY $3,234 $2,775 Baltimore, MD $3,156 $2,793 Bangor, ME $2,514 $1,989 Barstow/Fort Irwin, CA $2,748 $2,274 Baton Rouge, LA $2,229 $2,076 Battle Creek/Kalamazoo, MI $2,514 $2,220 Beale AFB, CA $3,165 $3,066 Beaufort/Parris Island, SC $2,856 $2,661 Beaumont, TX $1,956 $1,770 Birmingham, AL $2,565 $2,490 Bismarck, ND $2,370 $1,980 Bloomington, IN $2,469 $1,953 Boise, ID $2,370 $2,148 Boston, MA $5,163 $4,815 Boulder, CO $3,711 $3,129 Bremerton, WA $3,045 $2,595 Bridgeport, CA $3,018 $2,541 Brownsville, TX $2,169 $1,728 Brunswick, ME $3,762 $2,856 Buffalo, NY $2,772 $2,427 Burlington, VT $4,203 $3,516 Camp Lejeune, NC $2,085 $1,809 Camp Pendleton, CA $4,659 $4,239 Cannon AFB/Clovis, NM $1,875 $1,506 Cape Cod-Plymouth, MA $4,419 $3,966 Cape May, NJ $3,186 $2,955 Carlisle Barracks, PA $2,559 $2,265 Champaign/Urbana, IL $2,127 $1,818 Charleston, SC $2,721 $2,529 Charleston, WV $1,860 $1,632 Charlotte, NC $2,472 $2,337 Charlottesville, VA $3,045 $2,589 Chattanooga, TN $2,520 $2,247 Cheyenne, WY $2,442 $2,010 Chicago, IL $3,738 $3,603 China Lake, CA $2,154 $1,689 Cincinnati, OH $2,604 $2,433 Cleveland, OH $2,457 $2,265 Coastal Maine, ME $2,868 $2,514 College Station, TX $2,685 $2,160 Colorado Springs, CO $2,595 $2,397 Columbia/Fort Jackson, SC $2,232 $2,028 Columbia/Jefferson City, MO $2,118 $1,656 Columbus AFB, MS $2,181 $1,779 Columbus, OH $2,577 $2,103 Coos Bay, OR $2,697 $2,085 Corpus Christi, TX $2,475 $2,061 Corvallis, OR $2,865 $2,592 Dahlgren/Fort A.p. Hill $2,844 $2,568 Dahlonega, GA $2,550 $2,400 Dallas, TX $2,847 $2,682 Davis-Monthan AFB, AZ $2,199 $2,037 Denver, CO $3,207 $2,979 Des Moines, IA $2,433 $2,049 Detroit, MI $2,778 $2,499 Dover AFB/Rehoboth, DE $3,051 $2,409 Duluth, MN $2,370 $2,232 Durham/Chapel Hill, NC $2,517 $2,289 Eastern Panhandle, WV $2,478 $2,178 Eastern Shore, MD $2,406 $2,238 Edwards AFB/Palmdale, CA $3,264 $2,976 Eglin AFB, FL $3,399 $2,592 El Centro, CA $2,664 $2,085 El Paso, TX $2,202 $2,022 Elizabeth City, NC $2,667 $2,538 Erie, PA $1,872 $1,596 Essex Co, MA $4,533 $3,642 Eugene, OR $2,766 $2,370 Everett, WA $3,567 $3,063 Fairbanks, AK $2,937 $2,301 Fallon NAS, NV $2,319 $1,785 Fargo, ND $2,511 $2,106 Fayetteville, AR $2,355 $1,944 Fitchburg, MA $4,059 $3,330 Florida Keys, FL $4,872 $4,017 Fort Benning, GA $2,058 $1,878 Fort Bragg/Pope, NC $2,175 $1,956 Fort Campbell, KY $2,496 $1,995 Fort Chaffee/Fort Smith, AR $1,962 $1,527 Fort Collins, CO $2,805 $2,433 Fort Detrick, MD $3,255 $2,922 Fort Drum/Watertown, NY $2,469 $1,902 Fort G. G. Meade, MD $3,411 $3,138 Fort Gordon, AL $2,250 $2,058 Fort Hood, TX $2,340 $1,833 Fort Huachuca, AZ $2,232 $2,019 Fort Knox, KY $2,421 $1,956 Fort Leavenworth, KS $2,394 $2,013 Fort Leonard Wood, MO $2,028 $1,629 Fort Monmouth/Earle Nws, NJ $4,332 $3,888 Fort Myers Beach, FL $3,129 $2,835 Fort Pierce, FL $3,078 $2,772 Fort Polk, LA $1,938 $1,611 Fort Riley, KS $1,953 $1,611 Fort Rucker, AL $2,262 $1,767 Fort Sill/Lawton, OK $1,758 $1,395 Fort Stewart, GA $2,598 $2,385 Fort Wayne, IN $2,205 $2,058 Fort Worth, TX $2,460 $2,310 Frankfort, KY $2,133 $1,665 Fresno, CA $2,937 $2,685 Gainesville, FL $2,697 $2,238 Goodfellow AFB, TX $2,193 $1,740 Grand Forks, ND $2,199 $1,902 Grand Haven, MI $2,553 $2,370 Grand Rapids, MI $2,439 $2,307 Great Lakes Navtracen, IL $3,018 $2,637 Greensboro, NC $2,259 $1,995 Greenville, SC $2,205 $2,019 Gulfport, MS $2,040 $1,623 Hampden County, MA $3,426 $2,682 Hampton/Newport News, VA $2,475 $2,361 Hanscom AFB, MA $4,770 $4,371 Hartford, CT $3,759 $3,174 Hattiesburg, MS $1,866 $1,470 Hawaii County, HI $3,945 $3,744 Helena, MT $2,772 $2,298 Holloman AFB/Alamogordo, NM $1,905 $1,764 Honolulu County, HI $4,428 $3,819 Houston, TX $2,700 $2,397 Humboldt County, CA $2,838 $2,193 Huntington, WV $1,917 $1,686 Huntsville, AL $2,226 $1,974 Indian Head Navordsta, MD $3,669 $3,327 Indianapolis, IN $2,307 $2,085 Jackson, MS $2,502 $2,070 Jacksonville, FL $2,364 $2,211 JB Mcguire-Dix-Lakehurst, NJ $3,552 $3,219 Johnson City/Kingsport, TN $2,343 $1,914 Juneau, AK $3,594 $3,060 Kansas City, MO $2,310 $2,103 Kauai County, HI $4,662 $4,095 Ketchikan, AK $3,327 $2,772 Kings Bay/Brunswick, GA $2,418 $2,157 Knoxville, TN $2,904 $2,481 Kodiak Island, AK $3,174 $2,694 Lafayette, LA $2,040 $1,746 Lake Charles, LA $1,977 $1,551 Lansing, MI $2,127 $1,914 Laughlin AFB/Del Rio, TX $2,121 $1,686 Lemoore NAS, CA $2,451 $2,220 Lexington, KY $2,205 $2,049 Lexington, VA $2,130 $1,827 Lincoln, NE $2,280 $1,992 Little Rock, AR $1,974 $1,902 Long Island, NY $5,061 $4,644 Los Angeles, CA $4,524 $4,074 Louisville, KY $2,394 $2,166 Lubbock, TX $1,983 $1,689 Madison, WI $3,426 $2,799 Malmstrom Sfb/Great Falls, MT $2,268 $1,767 Manchester/Concord, NH $4,233 $3,396 Marin/Sonoma, CA $4,146 $3,630 Marquette, MI $2,385 $1,935 Martha's Vineyard, MA $5,025 $4,371 Maui County, HI $5,571 $4,608 Memphis, TN $2,352 $2,253 Meridian, MS $1,953 $1,527 Miami/Fort Lauderdale, FL $4,437 $3,738 Milwaukee, WI $3,189 $2,658 Minneapolis/St Paul, MN $2,910 $2,688 Minot AFB, ND $2,175 $1,824 Mobile, AL $2,202 $2,001 Monroe, LA $1,728 $1,470 Monterey, CA $4,824 $3,723 Montgomery, AL $1,932 $1,725 Moody AFB, GA $2,004 $1,773 Morehead/Cherry Pt MCAS, NC $2,421 $1,971 Morgantown, WV $2,031 $1,812 Mountain Home AFB, ID $2,325 $1,977 Myrtle Beach, SC $2,523 $2,262 Nantucket, MA $5,442 $4,842 Nashville, TN $2,784 $2,523 Nellis AFB/Las Vegas, NV $2,382 $2,151 New Haven/Fairfield, CT $3,843 $3,483 New London, CT $3,306 $2,892 New Orleans, LA $2,553 $2,202 New York City, NY $5,529 $5,112 Newport, RI $4,137 $3,231 Norfolk/Portsmouth, VA $2,694 $2,505 Northern New Jersey, NJ $5,094 $4,938 Oakland, CA $4,362 $3,981 Ocala, FL $2,439 $2,394 Ogden/Hill AFB, UT $2,361 $2,181 Oklahoma City, OK $1,974 $1,773 Omaha/Offutt AFB, NE $2,601 $2,268 Orlando, FL $2,997 $2,847 Outer Banks, NC $3,087 $2,820 Oxford, MD $2,985 $2,679 Paducah, KY $2,031 $1,689 Panama City, FL $2,709 $2,337 Patrick Sfb, FL $2,922 $2,742 Patuxent River, MD $2,769 $2,490 Pensacola, FL $2,271 $2,097 Peoria, IL $2,040 $1,752 Perth Amboy, NJ $4,239 $3,825 Philadelphia, PA/Camden, NJ $3,015 $2,871 Phoenix, AZ $2,490 $2,391 Pittsburgh, PA $2,643 $2,484 Port Angeles, WA $3,081 $2,706 Portland, ME $4,260 $3,456 Portland, OR $3,030 $2,616 Portsmouth, NH/Kittery, ME $4,461 $3,555 Providence, RI $4,008 $3,357 Provo, UT $2,529 $2,160 Quantico/Woodbridge, VA $3,327 $3,090 Raleigh, NC $2,391 $2,232 Rapid City/Ellsworth AFB, SD $2,475 $2,124 Reno/Carson City, NV $2,799 $2,571 Richmond/Fort Lee, VA $2,760 $2,526 Riverside, CA $3,705 $3,471 Roanoke, VA $2,301 $2,013 Robins AFB, GA $2,199 $1,842 Rochester, NY $2,757 $2,403 Rock Island, IL $2,298 $2,118 Rome/Griffiss AFB, NY $2,880 $2,508 Sacramento, CA $3,039 $2,943 Saginaw, MI $1,842 $1,656 Salem, OR $2,709 $2,253 Salt Lake City, UT $2,742 $2,271 San Antonio, TX $2,127 $2,007 San Bernardino, CA $3,414 $3,339 San Diego, CA $4,518 $4,248 San Francisco, CA $5,556 $5,331 San Luis Obispo, CA $4,215 $3,675 Santa Clara County, CA $5,199 $4,860 Santa Fe/Los Alamos, NM $3,711 $3,249 Sault Ste Marie, MI $1,959 $1,779 Savannah, GA $2,745 $2,562 Scott AFB, IL $2,208 $1,830 Seattle, WA $4,215 $3,627 Seymour Johnson AFB, NC $2,226 $1,794 Shreveport/Barksdale AFB, LA $2,268 $1,956 Sioux Falls, SD $2,106 $1,854 Sitka, AK $3,462 $2,886 Sparta/Fort Mccoy, WI $1,923 $1,680 Spokane, WA $2,844 $2,418 Springfield, MO $1,998 $1,686 Springfield/Decatur, IL $2,001 $1,713 St Mary And Terrebonne, LA $2,007 $1,647 St. Louis, MO $2,760 $2,571 State College, PA $2,580 $2,097 Staten Island, NY $4,554 $4,038 Stevens Point, WI $1,746 $1,572 Stockton, CA $3,309 $2,793 Sumter/Shaw AFB, SC $2,052 $1,785 Syracuse, NY $2,811 $2,262 Tacoma, WA $3,123 $2,784 Tallahassee, FL $2,580 $2,010 Tampa, FL $3,081 $2,919 Terre Haute, IN $2,001 $1,701 Toledo, OH $2,199 $2,112 Topeka, KS $2,064 $1,776 Traverse City, MI $3,069 $2,535 Trenton, NJ $4,362 $3,786 Tulsa, OK $2,106 $1,830 Twenty Nine Palms MCB, CA $2,814 $2,343 Vallejo/Travis AFB, CA $3,537 $3,444 Vance AFB/Enid, OK $1,818 $1,443 Vandenberg Sfb, CA $3,780 $3,528 Ventura, CA $4,212 $3,834 Volusia County, FL $2,634 $2,415 Waco, TX $2,379 $1,971 Warrenton, VA $3,666 $3,261 Washington, DC Metro Area $4,020 $3,531 West Palm Beach, FL $3,975 $3,534 West Point, NY $4,380 $3,882 Westchester County, NY $6,633 $5,169 Whidbey Island, WA $3,105 $2,499 White Sands Mr/Las Cruces, NM $2,082 $1,842 Whiteman AFB, MO $2,244 $1,812 Wichita Fls/Sheppard AFB, TX $2,325 $1,887 Wichita/Mcconnell AFB, KS $1,938 $1,572 Wilkes-Barre/Scranton, PA $2,085 $1,827 Willow Grove, PA $3,438 $3,228 Wilmington, NC $2,628 $2,334 Worcester, MA $3,756 $3,219 Wright-Patterson AFB, OH $2,097 $1,773 Yakima, WA $2,703 $2,214 Youngstown, OH $1,767 $1,344 Yuma, AZ $2,049 $1,785
Other grades: O-2E BAH · O-3E BAH · O-3 PCS weight allowance
How much BAH does an O-3 get in 2026? It depends on the duty station. Across 299 military housing areas, an O-3 with dependents receives between $1,686 (Anniston/Fort Mcclellan, AL) and $6,633 (Westchester County, NY) per month; the median is $2,601. Without dependents the median is $2,298.
Is BAH for an O-3 taxed? No. BAH is a tax-free allowance. It is paid monthly with your regular pay, based on the ZIP code of your duty station — not where you choose to live.
What decides the with-dependents rate? Having at least one dependent — a spouse or child, for example. The number of dependents does not change the amount.
Not listed: 39 rural county cost groups, which the DoD prices as groups of counties rather than named areas. Look them up by ZIP code in the calculator.
Source: 2026 BAH rates published by the Defense Travel Management Office (DoD). Rates are set per military housing area and paid by the ZIP code of your duty station. BaseNeed is not affiliated with the Department of Defense.
