O-3E BAH Rates 2026 by Location
Monthly Basic Allowance for Housing for an O-3E in all 299 military housing areas — official DoD rates for 2026.
Median, with dependents
$2,736
Median, without dependents
$2,409
Range, with dependents
$1,788 – $7,023
O-3E is the rate for an O-3 officer with more than four years of prior enlisted or warrant officer service — it is higher than the plain O-3 rate.
Highest O-3E BAH
| Housing area | With dependents | Without dependents |
|---|
| Westchester County, NY | $7,023 | $5,361 |
|---|
| San Francisco, CA | $5,955 | $5,445 |
|---|
| New York City, NY | $5,949 | $5,115 |
|---|
| Nantucket, MA | $5,832 | $5,121 |
|---|
| Maui County, HI | $5,793 | $4,764 |
|---|
| Boston, MA | $5,511 | $4,818 |
|---|
| Santa Clara County, CA | $5,496 | $4,971 |
|---|
| Northern New Jersey, NJ | $5,325 | $5,043 |
|---|
| Long Island, NY | $5,262 | $4,764 |
|---|
| Florida Keys, FL | $5,232 | $4,044 |
|---|
Lowest O-3E BAH
| Housing area | With dependents | Without dependents |
|---|
| Youngstown, OH | $1,788 | $1,347 |
|---|
| Stevens Point, WI | $1,791 | $1,701 |
|---|
| Anniston/Fort Mcclellan, AL | $1,800 | $1,482 |
|---|
| Monroe, LA | $1,812 | $1,623 |
|---|
| Saginaw, MI | $1,887 | $1,740 |
|---|
| Fort Sill/Lawton, OK | $1,893 | $1,482 |
|---|
| Cannon AFB/Clovis, NM | $1,896 | $1,584 |
|---|
| Erie, PA | $1,965 | $1,668 |
|---|
| Altus AFB, OK | $1,971 | $1,554 |
|---|
| Vance AFB/Enid, OK | $1,977 | $1,503 |
|---|
Look up BAH by ZIP code →
All 299 housing areas, O-3E
| Housing area | With dependents | Without dependents |
|---|
| Aberdeen Proving Grounds, MD | $3,222 | $2,733 |
|---|
| Abilene/Dyess AFB, TX | $2,937 | $2,814 |
|---|
| Akron, OH | $2,169 | $1,920 |
|---|
| Albany, GA | $2,073 | $1,554 |
|---|
| Albuquerque/Kirtland AFB, NM | $2,520 | $2,316 |
|---|
| Alexandria, LA | $2,097 | $1,671 |
|---|
| Allentown/Bethlehem, PA | $3,015 | $2,835 |
|---|
| Altus AFB, OK | $1,971 | $1,554 |
|---|
| Anchorage, AK | $3,558 | $2,853 |
|---|
| Ann Arbor, MI | $3,561 | $3,072 |
|---|
| Annapolis, MD | $3,612 | $3,219 |
|---|
| Anniston/Fort Mcclellan, AL | $1,800 | $1,482 |
|---|
| Asheville, NC | $3,069 | $2,562 |
|---|
| Astoria, OR | $3,339 | $2,790 |
|---|
| Atlanta, GA | $2,784 | $2,700 |
|---|
| Atlantic City, NJ | $3,801 | $3,285 |
|---|
| Auburn, AL | $2,556 | $1,917 |
|---|
| Austin, TX | $3,624 | $2,796 |
|---|
| Ballston Spa/Albany, NY | $3,381 | $2,850 |
|---|
| Baltimore, MD | $3,303 | $2,895 |
|---|
| Bangor, ME | $2,598 | $2,040 |
|---|
| Barstow/Fort Irwin, CA | $2,856 | $2,424 |
|---|
| Baton Rouge, LA | $2,346 | $2,184 |
|---|
| Battle Creek/Kalamazoo, MI | $2,634 | $2,364 |
|---|
| Beale AFB, CA | $3,231 | $3,120 |
|---|
| Beaufort/Parris Island, SC | $3,009 | $2,805 |
|---|
| Beaumont, TX | $2,091 | $1,911 |
|---|
| Birmingham, AL | $2,613 | $2,517 |
|---|
| Bismarck, ND | $2,382 | $2,196 |
|---|
| Bloomington, IN | $2,673 | $2,004 |
|---|
| Boise, ID | $2,475 | $2,268 |
|---|
| Boston, MA | $5,511 | $4,818 |
|---|
| Boulder, CO | $3,846 | $3,336 |
|---|
| Bremerton, WA | $3,144 | $2,724 |
|---|
| Bridgeport, CA | $3,150 | $2,799 |
|---|
| Brownsville, TX | $2,316 | $1,851 |
|---|
| Brunswick, ME | $3,813 | $2,859 |
|---|
| Buffalo, NY | $2,919 | $2,544 |
|---|
| Burlington, VT | $4,380 | $3,735 |
|---|
| Camp Lejeune, NC | $2,208 | $1,935 |
|---|
| Camp Pendleton, CA | $4,854 | $4,392 |
|---|
| Cannon AFB/Clovis, NM | $1,896 | $1,584 |
|---|
| Cape Cod-Plymouth, MA | $4,626 | $3,987 |
|---|
| Cape May, NJ | $3,390 | $3,066 |
|---|
| Carlisle Barracks, PA | $2,694 | $2,367 |
|---|
| Champaign/Urbana, IL | $2,310 | $1,974 |
|---|
| Charleston, SC | $2,802 | $2,607 |
|---|
| Charleston, WV | $2,016 | $1,758 |
|---|
| Charlotte, NC | $2,484 | $2,427 |
|---|
| Charlottesville, VA | $3,177 | $2,706 |
|---|
| Chattanooga, TN | $2,700 | $2,391 |
|---|
| Cheyenne, WY | $2,568 | $2,211 |
|---|
| Chicago, IL | $3,810 | $3,693 |
|---|
| China Lake, CA | $2,289 | $1,755 |
|---|
| Cincinnati, OH | $2,724 | $2,517 |
|---|
| Cleveland, OH | $2,637 | $2,412 |
|---|
| Coastal Maine, ME | $2,952 | $2,691 |
|---|
| College Station, TX | $2,904 | $2,385 |
|---|
| Colorado Springs, CO | $2,679 | $2,418 |
|---|
| Columbia/Fort Jackson, SC | $2,361 | $2,109 |
|---|
| Columbia/Jefferson City, MO | $2,247 | $1,686 |
|---|
| Columbus AFB, MS | $2,265 | $1,992 |
|---|
| Columbus, OH | $2,679 | $2,232 |
|---|
| Coos Bay, OR | $2,814 | $2,208 |
|---|
| Corpus Christi, TX | $2,604 | $2,211 |
|---|
| Corvallis, OR | $3,102 | $2,706 |
|---|
| Dahlgren/Fort A.p. Hill | $3,027 | $2,706 |
|---|
| Dahlonega, GA | $2,619 | $2,505 |
|---|
| Dallas, TX | $2,934 | $2,799 |
|---|
| Davis-Monthan AFB, AZ | $2,289 | $2,109 |
|---|
| Denver, CO | $3,306 | $3,054 |
|---|
| Des Moines, IA | $2,559 | $2,202 |
|---|
| Detroit, MI | $2,982 | $2,574 |
|---|
| Dover AFB/Rehoboth, DE | $3,069 | $2,481 |
|---|
| Duluth, MN | $2,478 | $2,325 |
|---|
| Durham/Chapel Hill, NC | $2,703 | $2,382 |
|---|
| Eastern Panhandle, WV | $2,622 | $2,244 |
|---|
| Eastern Shore, MD | $2,514 | $2,304 |
|---|
| Edwards AFB/Palmdale, CA | $3,414 | $3,150 |
|---|
| Eglin AFB, FL | $3,468 | $2,601 |
|---|
| El Centro, CA | $2,751 | $2,139 |
|---|
| El Paso, TX | $2,268 | $2,142 |
|---|
| Elizabeth City, NC | $2,823 | $2,547 |
|---|
| Erie, PA | $1,965 | $1,668 |
|---|
| Essex Co, MA | $4,887 | $3,735 |
|---|
| Eugene, OR | $2,913 | $2,472 |
|---|
| Everett, WA | $3,666 | $3,237 |
|---|
| Fairbanks, AK | $3,066 | $2,415 |
|---|
| Fallon NAS, NV | $2,406 | $1,806 |
|---|
| Fargo, ND | $2,613 | $2,331 |
|---|
| Fayetteville, AR | $2,487 | $2,031 |
|---|
| Fitchburg, MA | $4,302 | $3,462 |
|---|
| Florida Keys, FL | $5,232 | $4,044 |
|---|
| Fort Benning, GA | $2,166 | $1,968 |
|---|
| Fort Bragg/Pope, NC | $2,289 | $2,040 |
|---|
| Fort Campbell, KY | $2,634 | $2,091 |
|---|
| Fort Chaffee/Fort Smith, AR | $2,070 | $1,674 |
|---|
| Fort Collins, CO | $2,901 | $2,523 |
|---|
| Fort Detrick, MD | $3,399 | $3,054 |
|---|
| Fort Drum/Watertown, NY | $2,559 | $1,920 |
|---|
| Fort G. G. Meade, MD | $3,570 | $3,270 |
|---|
| Fort Gordon, AL | $2,388 | $2,148 |
|---|
| Fort Hood, TX | $2,451 | $1,908 |
|---|
| Fort Huachuca, AZ | $2,277 | $2,187 |
|---|
| Fort Knox, KY | $2,559 | $2,130 |
|---|
| Fort Leavenworth, KS | $2,448 | $2,124 |
|---|
| Fort Leonard Wood, MO | $2,085 | $1,713 |
|---|
| Fort Monmouth/Earle Nws, NJ | $4,503 | $4,074 |
|---|
| Fort Myers Beach, FL | $3,228 | $2,910 |
|---|
| Fort Pierce, FL | $3,228 | $2,817 |
|---|
| Fort Polk, LA | $2,022 | $1,827 |
|---|
| Fort Riley, KS | $2,052 | $1,776 |
|---|
| Fort Rucker, AL | $2,394 | $1,797 |
|---|
| Fort Sill/Lawton, OK | $1,893 | $1,482 |
|---|
| Fort Stewart, GA | $2,736 | $2,427 |
|---|
| Fort Wayne, IN | $2,343 | $2,118 |
|---|
| Fort Worth, TX | $2,526 | $2,415 |
|---|
| Frankfort, KY | $2,154 | $1,809 |
|---|
| Fresno, CA | $3,063 | $2,820 |
|---|
| Gainesville, FL | $2,850 | $2,346 |
|---|
| Goodfellow AFB, TX | $2,256 | $1,827 |
|---|
| Grand Forks, ND | $2,325 | $1,995 |
|---|
| Grand Haven, MI | $2,649 | $2,472 |
|---|
| Grand Rapids, MI | $2,571 | $2,394 |
|---|
| Great Lakes Navtracen, IL | $3,183 | $2,751 |
|---|
| Greensboro, NC | $2,358 | $2,100 |
|---|
| Greenville, SC | $2,322 | $2,070 |
|---|
| Gulfport, MS | $2,199 | $1,650 |
|---|
| Hampden County, MA | $3,576 | $2,844 |
|---|
| Hampton/Newport News, VA | $2,637 | $2,409 |
|---|
| Hanscom AFB, MA | $5,115 | $4,470 |
|---|
| Hartford, CT | $3,930 | $3,324 |
|---|
| Hattiesburg, MS | $2,001 | $1,512 |
|---|
| Hawaii County, HI | $4,026 | $3,828 |
|---|
| Helena, MT | $2,895 | $2,529 |
|---|
| Holloman AFB/Alamogordo, NM | $2,028 | $1,860 |
|---|
| Honolulu County, HI | $4,572 | $3,903 |
|---|
| Houston, TX | $2,856 | $2,508 |
|---|
| Humboldt County, CA | $2,961 | $2,316 |
|---|
| Huntington, WV | $1,989 | $1,770 |
|---|
| Huntsville, AL | $2,325 | $2,070 |
|---|
| Indian Head Navordsta, MD | $3,831 | $3,366 |
|---|
| Indianapolis, IN | $2,373 | $2,202 |
|---|
| Jackson, MS | $2,658 | $2,154 |
|---|
| Jacksonville, FL | $2,463 | $2,229 |
|---|
| JB Mcguire-Dix-Lakehurst, NJ | $3,702 | $3,438 |
|---|
| Johnson City/Kingsport, TN | $2,490 | $2,118 |
|---|
| Juneau, AK | $3,720 | $3,333 |
|---|
| Kansas City, MO | $2,451 | $2,163 |
|---|
| Kauai County, HI | $4,986 | $4,260 |
|---|
| Ketchikan, AK | $3,510 | $2,847 |
|---|
| Kings Bay/Brunswick, GA | $2,550 | $2,160 |
|---|
| Knoxville, TN | $3,060 | $2,643 |
|---|
| Kodiak Island, AK | $3,348 | $2,844 |
|---|
| Lafayette, LA | $2,157 | $1,833 |
|---|
| Lake Charles, LA | $2,109 | $1,617 |
|---|
| Lansing, MI | $2,310 | $1,974 |
|---|
| Laughlin AFB/Del Rio, TX | $2,307 | $1,731 |
|---|
| Lemoore NAS, CA | $2,553 | $2,265 |
|---|
| Lexington, KY | $2,370 | $2,142 |
|---|
| Lexington, VA | $2,262 | $1,989 |
|---|
| Lincoln, NE | $2,382 | $2,103 |
|---|
| Little Rock, AR | $2,127 | $1,929 |
|---|
| Long Island, NY | $5,262 | $4,764 |
|---|
| Los Angeles, CA | $4,767 | $4,179 |
|---|
| Louisville, KY | $2,547 | $2,265 |
|---|
| Lubbock, TX | $2,145 | $1,803 |
|---|
| Madison, WI | $3,582 | $2,880 |
|---|
| Malmstrom Sfb/Great Falls, MT | $2,391 | $1,809 |
|---|
| Manchester/Concord, NH | $4,365 | $3,516 |
|---|
| Marin/Sonoma, CA | $4,335 | $3,813 |
|---|
| Marquette, MI | $2,502 | $1,998 |
|---|
| Martha's Vineyard, MA | $5,193 | $4,587 |
|---|
| Maui County, HI | $5,793 | $4,764 |
|---|
| Memphis, TN | $2,409 | $2,307 |
|---|
| Meridian, MS | $2,070 | $1,554 |
|---|
| Miami/Fort Lauderdale, FL | $4,791 | $3,780 |
|---|
| Milwaukee, WI | $3,363 | $2,685 |
|---|
| Minneapolis/St Paul, MN | $3,033 | $2,769 |
|---|
| Minot AFB, ND | $2,262 | $1,974 |
|---|
| Mobile, AL | $2,340 | $2,064 |
|---|
| Monroe, LA | $1,812 | $1,623 |
|---|
| Monterey, CA | $5,031 | $3,861 |
|---|
| Montgomery, AL | $2,100 | $1,746 |
|---|
| Moody AFB, GA | $2,157 | $1,911 |
|---|
| Morehead/Cherry Pt MCAS, NC | $2,550 | $2,034 |
|---|
| Morgantown, WV | $2,184 | $1,908 |
|---|
| Mountain Home AFB, ID | $2,478 | $2,181 |
|---|
| Myrtle Beach, SC | $2,643 | $2,352 |
|---|
| Nantucket, MA | $5,832 | $5,121 |
|---|
| Nashville, TN | $2,898 | $2,667 |
|---|
| Nellis AFB/Las Vegas, NV | $2,487 | $2,196 |
|---|
| New Haven/Fairfield, CT | $4,038 | $3,717 |
|---|
| New London, CT | $3,465 | $3,066 |
|---|
| New Orleans, LA | $2,688 | $2,367 |
|---|
| New York City, NY | $5,949 | $5,115 |
|---|
| Newport, RI | $4,284 | $3,441 |
|---|
| Norfolk/Portsmouth, VA | $2,859 | $2,547 |
|---|
| Northern New Jersey, NJ | $5,325 | $5,043 |
|---|
| Oakland, CA | $4,566 | $4,107 |
|---|
| Ocala, FL | $2,565 | $2,397 |
|---|
| Ogden/Hill AFB, UT | $2,454 | $2,214 |
|---|
| Oklahoma City, OK | $2,070 | $1,842 |
|---|
| Omaha/Offutt AFB, NE | $2,769 | $2,367 |
|---|
| Orlando, FL | $3,045 | $2,952 |
|---|
| Outer Banks, NC | $3,246 | $2,937 |
|---|
| Oxford, MD | $3,162 | $2,808 |
|---|
| Paducah, KY | $2,205 | $1,869 |
|---|
| Panama City, FL | $2,802 | $2,433 |
|---|
| Patrick Sfb, FL | $2,991 | $2,877 |
|---|
| Patuxent River, MD | $2,910 | $2,535 |
|---|
| Pensacola, FL | $2,340 | $2,226 |
|---|
| Peoria, IL | $2,151 | $1,851 |
|---|
| Perth Amboy, NJ | $4,422 | $4,065 |
|---|
| Philadelphia, PA/Camden, NJ | $3,189 | $2,970 |
|---|
| Phoenix, AZ | $2,547 | $2,445 |
|---|
| Pittsburgh, PA | $2,823 | $2,598 |
|---|
| Port Angeles, WA | $3,174 | $2,853 |
|---|
| Portland, ME | $4,524 | $3,567 |
|---|
| Portland, OR | $3,207 | $2,745 |
|---|
| Portsmouth, NH/Kittery, ME | $4,704 | $3,684 |
|---|
| Providence, RI | $4,152 | $3,447 |
|---|
| Provo, UT | $2,631 | $2,217 |
|---|
| Quantico/Woodbridge, VA | $3,519 | $3,165 |
|---|
| Raleigh, NC | $2,481 | $2,310 |
|---|
| Rapid City/Ellsworth AFB, SD | $2,574 | $2,202 |
|---|
| Reno/Carson City, NV | $2,946 | $2,670 |
|---|
| Richmond/Fort Lee, VA | $2,883 | $2,619 |
|---|
| Riverside, CA | $3,783 | $3,537 |
|---|
| Roanoke, VA | $2,430 | $2,067 |
|---|
| Robins AFB, GA | $2,334 | $1,866 |
|---|
| Rochester, NY | $2,880 | $2,508 |
|---|
| Rock Island, IL | $2,448 | $2,232 |
|---|
| Rome/Griffiss AFB, NY | $2,976 | $2,733 |
|---|
| Sacramento, CA | $3,165 | $2,964 |
|---|
| Saginaw, MI | $1,887 | $1,740 |
|---|
| Salem, OR | $2,847 | $2,391 |
|---|
| Salt Lake City, UT | $2,838 | $2,349 |
|---|
| San Antonio, TX | $2,196 | $2,082 |
|---|
| San Bernardino, CA | $3,504 | $3,369 |
|---|
| San Diego, CA | $4,770 | $4,398 |
|---|
| San Francisco, CA | $5,955 | $5,445 |
|---|
| San Luis Obispo, CA | $4,536 | $3,942 |
|---|
| Santa Clara County, CA | $5,496 | $4,971 |
|---|
| Santa Fe/Los Alamos, NM | $3,795 | $3,408 |
|---|
| Sault Ste Marie, MI | $2,124 | $1,911 |
|---|
| Savannah, GA | $2,874 | $2,643 |
|---|
| Scott AFB, IL | $2,397 | $1,992 |
|---|
| Seattle, WA | $4,371 | $3,900 |
|---|
| Seymour Johnson AFB, NC | $2,340 | $1,944 |
|---|
| Shreveport/Barksdale AFB, LA | $2,403 | $2,016 |
|---|
| Sioux Falls, SD | $2,211 | $2,019 |
|---|
| Sitka, AK | $3,546 | $3,189 |
|---|
| Sparta/Fort Mccoy, WI | $2,001 | $1,839 |
|---|
| Spokane, WA | $2,937 | $2,547 |
|---|
| Springfield, MO | $2,169 | $1,851 |
|---|
| Springfield/Decatur, IL | $2,109 | $1,815 |
|---|
| St Mary And Terrebonne, LA | $2,157 | $1,650 |
|---|
| St. Louis, MO | $2,892 | $2,646 |
|---|
| State College, PA | $2,739 | $2,268 |
|---|
| Staten Island, NY | $4,776 | $4,209 |
|---|
| Stevens Point, WI | $1,791 | $1,701 |
|---|
| Stockton, CA | $3,507 | $2,925 |
|---|
| Sumter/Shaw AFB, SC | $2,193 | $1,941 |
|---|
| Syracuse, NY | $2,919 | $2,376 |
|---|
| Tacoma, WA | $3,216 | $2,913 |
|---|
| Tallahassee, FL | $2,721 | $2,052 |
|---|
| Tampa, FL | $3,156 | $3,036 |
|---|
| Terre Haute, IN | $2,175 | $1,815 |
|---|
| Toledo, OH | $2,346 | $2,154 |
|---|
| Topeka, KS | $2,211 | $1,857 |
|---|
| Traverse City, MI | $3,156 | $2,796 |
|---|
| Trenton, NJ | $4,620 | $3,966 |
|---|
| Tulsa, OK | $2,280 | $1,935 |
|---|
| Twenty Nine Palms MCB, CA | $2,940 | $2,544 |
|---|
| Vallejo/Travis AFB, CA | $3,636 | $3,486 |
|---|
| Vance AFB/Enid, OK | $1,977 | $1,503 |
|---|
| Vandenberg Sfb, CA | $3,933 | $3,633 |
|---|
| Ventura, CA | $4,365 | $4,002 |
|---|
| Volusia County, FL | $2,721 | $2,484 |
|---|
| Waco, TX | $2,568 | $2,091 |
|---|
| Warrenton, VA | $3,912 | $3,369 |
|---|
| Washington, DC Metro Area | $4,197 | $3,753 |
|---|
| West Palm Beach, FL | $4,191 | $3,594 |
|---|
| West Point, NY | $4,608 | $4,113 |
|---|
| Westchester County, NY | $7,023 | $5,361 |
|---|
| Whidbey Island, WA | $3,189 | $2,739 |
|---|
| White Sands Mr/Las Cruces, NM | $2,154 | $1,917 |
|---|
| Whiteman AFB, MO | $2,370 | $1,923 |
|---|
| Wichita Fls/Sheppard AFB, TX | $2,490 | $2,106 |
|---|
| Wichita/Mcconnell AFB, KS | $2,073 | $1,683 |
|---|
| Wilkes-Barre/Scranton, PA | $2,241 | $1,875 |
|---|
| Willow Grove, PA | $3,549 | $3,393 |
|---|
| Wilmington, NC | $2,805 | $2,496 |
|---|
| Worcester, MA | $4,002 | $3,384 |
|---|
| Wright-Patterson AFB, OH | $2,259 | $1,839 |
|---|
| Yakima, WA | $2,847 | $2,376 |
|---|
| Youngstown, OH | $1,788 | $1,347 |
|---|
| Yuma, AZ | $2,157 | $1,833 |
|---|
Other grades: O-3 BAH · O-4 BAH · O-3 PCS weight allowance
How much BAH does an O-3E get in 2026?
It depends on the duty station. Across 299 military housing areas, an O-3E with dependents receives between $1,788 (Youngstown, OH) and $7,023 (Westchester County, NY) per month; the median is $2,736. Without dependents the median is $2,409.
Is BAH for an O-3E 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.
