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

    W-3 without dependents at Norfolk draws $2,496 per month in 2026

    Permalinkbahratedesk.com/norfolk/w-3/without/ExcelCSVDownloads cover this station.
    Norfolk/Portsmouth, VA
    W-3 · without dependents
    $2,496/ month
    $29,952 / year
    At W-3, this is #118 of 338 stations loaded · high San Francisco $5,301 · low Youngstown $1,341
    MHA VA298 · ZIPs 23320 23321 23322 23323 23324 23325 +61 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$3,200 / mo gross
    Other dependency status here$2,697 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Norfolk — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,229$1,707
    E-2$2,229$1,707
    E-3$2,229$1,707
    E-4$2,229$1,707
    E-5$2,430$1,908
    E-6$2,559$2,043
    E-7$2,604$2,235
    E-8$2,661$2,463
    E-9$2,796$2,487
    Warrant officer
    W-1$2,574$2,166
    W-2$2,628$2,460
    W-3$2,697$2,496
    W-4$2,832$2,562
    W-5$3,000$2,616
    Officer — prior enlisted
    O-1E$2,613$2,427
    O-2E$2,685$2,481
    O-3E$2,859$2,547
    Officer
    O-1$2,454$2,022
    O-2$2,556$2,367
    O-3$2,694$2,505
    O-4$3,054$2,601
    O-5$3,318$2,625
    O-6$3,342$2,673
    O-7$3,366$2,718
    PCS compareNorfolk · W-3 · $2,496/mo
    Aberdeen Proving Grounds$2,619/mo · $31,428/yr
    ▲ RAISE+$123+$1,476/yr · like +$1,892 of salary

    What this rate means

    W-3 without dependents, every station0 – $5,301 / month
    San Francisco$5,301
    Westchester County$5,166
    New York City$5,109
    Northern New Jersey$4,908
    Santa Clara County$4,830
    Boston$4,812
    Nantucket$4,764
    Long Island$4,611
    Maui County$4,566
    Hanscom AFB$4,341
    Martha's Vineyard$4,311
    San Diego$4,206
    Camp Pendleton$4,197
    Kauai County$4,050
    Los Angeles$4,044
    Florida Keys$4,011
    Staten Island$3,993
    Cape Cod-Plymouth$3,960
    Oakland$3,948
    Fort Monmouth$3,834
    West Point$3,819
    Honolulu County$3,795
    Ventura$3,789
    Perth Amboy$3,759
    Trenton$3,738
    Miami$3,729
    Hawaii County$3,723
    Monterey$3,720
    Essex CO$3,618
    San Luis Obispo$3,600
    Chicago$3,579
    Marin$3,579
    Seattle$3,549
    Portsmouth$3,519
    West Palm Beach$3,519
    Vandenberg SFB$3,498
    Washington$3,471
    Burlington$3,453
    Riverside$3,453
    Vallejo$3,435
    Portland$3,423
    New Haven$3,420
    Manchester$3,363
    County Cost Group 890$3,351
    Providence$3,333
    San Bernardino$3,333
    Indian Head Navordsta$3,315
    Fitchburg$3,294
    Warrenton$3,231
    Santa Fe$3,204
    Willow Grove$3,183
    Newport$3,177
    Worcester$3,174
    JB McGuire-Dix-Lakehurst$3,159
    Hartford$3,132
    Fort G. G. Meade$3,102
    Annapolis$3,087
    Boulder$3,072
    Quantico$3,072
    Beale AFB$3,051
    County Cost Group 880$3,039
    Everett$3,015
    Atlantic City$2,997
    Juneau$2,982
    Denver$2,958
    Sacramento$2,940
    Edwards AFB$2,928
    Cape May$2,925
    Fort Detrick$2,886
    Tampa$2,886
    Brunswick$2,853
    New London$2,844
    Philadelphia$2,844
    Ann Arbor$2,838
    County Cost Group 870$2,838
    Orlando$2,820
    Fort Myers Beach$2,814
    Sitka$2,802
    Outer Banks$2,787
    Madison$2,778
    Baltimore$2,766
    Fort Pierce$2,760
    Stockton$2,757
    Ballston Spa$2,754
    Ketchikan$2,751
    JB Lewis-McChord$2,751
    Patrick SFB$2,706
    Austin$2,673
    County Cost Group 860$2,670
    Minneapolis$2,667
    Port Angeles$2,664
    Kodiak Island$2,655
    Milwaukee$2,652
    Dallas$2,649
    Fresno$2,646
    Hampden County$2,646
    Oxford$2,643
    Allentown$2,625
    Beaufort$2,622
    Aberdeen Proving Grounds$2,619
    JB Elmendorf-Richardson$2,619
    Great Lakes Navtracen$2,604
    County Cost Group 850$2,589
    Eglin AFB$2,589
    Portland$2,580
    Bremerton$2,562
    Corvallis$2,562
    Atlanta$2,559
    Charlottesville$2,556
    St. Louis$2,553
    Reno$2,544
    Savannah$2,538
    Elizabeth City$2,535
    Dahlgren$2,529
    Charleston$2,508
    Richmond$2,502
    County Cost Group 840$2,499
    Norfolk$2,496
    Birmingham$2,484
    Nashville$2,484
    Detroit$2,478
    Patuxent River$2,478
    Astoria$2,472
    Bridgeport$2,469
    Coastal Maine$2,463
    Traverse City$2,463
    Pittsburgh$2,454
    Rome$2,448
    Knoxville$2,436
    Whidbey Island$2,436
    County Cost Group 830$2,427
    Cincinnati$2,412
    Fort Collins$2,409
    Asheville$2,406
    Buffalo$2,394
    Fort Carson$2,394
    Volusia County$2,394
    Dover AFB$2,391
    Ocala$2,391
    Abilene$2,382
    Spokane$2,382
    Fort Stewart$2,376
    Phoenix$2,376
    Rochester$2,376
    Dahlonega$2,370
    Houston$2,367
    Hampton$2,349
    Eugene$2,343
    Grand Haven$2,340
    County Cost Group 820$2,337
    Charlotte$2,313
    Panama City$2,310
    Wilmington$2,289
    Twenty Nine Palms MCB$2,286
    Grand Rapids$2,283
    Fort Worth$2,280
    Albuquerque$2,271
    Fairbanks$2,271
    Durham$2,262
    Salt Lake City$2,250
    Omaha$2,241
    County Cost Group 810$2,238
    Memphis$2,238
    Myrtle Beach$2,238
    Carlisle Barracks$2,235
    Helena$2,235
    Barstow$2,232
    Syracuse$2,229
    Cleveland$2,226
    Eastern Shore$2,223
    Salem$2,214
    Lemoore NAS$2,211
    Raleigh$2,211
    Chattanooga$2,208
    Duluth$2,208
    Gainesville$2,208
    Jacksonville$2,208
    Humboldt County$2,190
    Battle Creek$2,181
    Ogden$2,172
    Yakima$2,169
    Eastern Panhandle$2,160
    New Orleans$2,157
    Kings Bay$2,154
    Provo$2,145
    Louisville$2,139
    Nellis AFB$2,139
    County Cost Group 800$2,133
    College Station$2,118
    Boise$2,112
    Rapid City$2,103
    Toledo$2,100
    Kansas City$2,085
    Rock Island$2,085
    Coos Bay$2,082
    Columbus$2,070
    El Centro$2,070
    County Cost Group 790$2,061
    Pensacola$2,061
    Indianapolis$2,055
    State College$2,052
    Jackson$2,049
    Baton Rouge$2,046
    Fargo$2,046
    Fort Wayne$2,043
    Fort Gordon$2,031
    Lexington$2,022
    Corpus Christi$2,019
    Davis-Monthan AFB$2,019
    Des Moines$2,007
    Tallahassee$2,007
    Columbia$2,004
    Greenville$2,004
    Roanoke$1,998
    Fort Bliss$1,992
    San Antonio (JBSA)$1,986
    County Cost Group 780$1,983
    Fort Leavenworth$1,983
    Mobile$1,983
    Bangor$1,974
    Fort Huachuca$1,974
    Fort Campbell$1,968
    Greensboro$1,968
    Lincoln$1,959
    Cheyenne$1,956
    Morehead$1,953
    Bloomington$1,950
    Huntsville$1,947
    Shreveport$1,941
    Waco$1,938
    Fort Bragg$1,935
    Bismarck$1,923
    County Cost Group 770$1,920
    Fayetteville$1,920
    Mountain Home AFB$1,920
    Marquette$1,917
    Fort Knox$1,911
    Fort Drum$1,899
    Lansing$1,899
    Little Rock$1,893
    Auburn$1,881
    Grand Forks$1,875
    Johnson City$1,860
    Fort Benning$1,854
    County Cost Group 760$1,851
    Robins AFB$1,839
    Wichita Fls$1,827
    White Sands MR$1,821
    Wilkes-Barre$1,815
    Fort Hood$1,812
    Sioux Falls$1,809
    County Cost Group 750$1,803
    Tulsa$1,803
    Morgantown$1,788
    Scott AFB$1,788
    Fallon NAS$1,782
    Lexington$1,782
    Minot AFB$1,782
    Whiteman AFB$1,782
    Camp Lejeune$1,776
    Champaign$1,776
    Yuma$1,773
    Akron$1,764
    Fort Rucker$1,764
    Malmstrom SFB$1,764
    Topeka$1,755
    Wright-Patterson AFB$1,755
    County Cost Group 740$1,752
    Oklahoma City$1,752
    Seymour Johnson AFB$1,752
    Sault Ste Marie$1,743
    Sumter$1,743
    Holloman AFB$1,737
    Moody AFB$1,737
    Beaumont$1,731
    Peoria$1,725
    Columbus AFB$1,722
    County Cost Group 730$1,722
    Lafayette$1,722
    Montgomery$1,719
    Goodfellow AFB$1,716
    Brownsville$1,698
    County Cost Group 720$1,698
    Springfield$1,686
    China Lake$1,683
    Laughlin AFB$1,683
    County Cost Group 710$1,677
    Terre Haute$1,671
    Huntington$1,662
    County Cost Group 700$1,659
    Lubbock$1,656
    Columbia$1,653
    County Cost Group 690$1,644
    St Mary And Terrebonne$1,644
    Paducah$1,641
    Springfield$1,641
    Sparta$1,638
    Saginaw$1,635
    County Cost Group 680$1,632
    Frankfort$1,626
    County Cost Group 670$1,623
    Gulfport$1,620
    County Cost Group 660$1,611
    Fort Leonard Wood$1,608
    County Cost Group 650$1,602
    Charleston$1,596
    County Cost Group 640$1,593
    County Cost Group 630$1,587
    County Cost Group 620$1,578
    Erie$1,578
    County Cost Group 610$1,572
    Fort Riley$1,566
    County Cost Group 600$1,563
    County Cost Group 590$1,551
    Fort Polk$1,551
    Lake Charles$1,548
    Wichita$1,545
    County Cost Group 580$1,539
    Stevens Point$1,536
    Alexandria$1,533
    County Cost Group 570$1,530
    Fort Chaffee$1,524
    Meridian$1,524
    County Cost Group 560$1,521
    Albany$1,512
    County Cost Group 550$1,509
    County Cost Group 540$1,503
    County Cost Group 530$1,494
    County Cost Group 520$1,491
    Cannon AFB$1,485
    County Cost Group 510$1,485
    Hattiesburg$1,467
    Altus AFB$1,440
    Vance AFB$1,440
    Monroe$1,428
    Fort Sill$1,386
    Anniston$1,347
    Youngstown$1,341

    Norfolk is #118 of 338. The spread between the dearest and cheapest station at this grade is $3,960 a month — $47,520 a year, untaxed.

    Every pay grade at Norfolk0 – $2,718 / month
    E-1$1,707
    E-2$1,707
    E-3$1,707
    E-4$1,707
    E-5$1,908
    E-6$2,043
    E-7$2,235
    E-8$2,463
    E-9$2,487
    W-1$2,166
    W-2$2,460
    W-3$2,496
    W-4$2,562
    W-5$2,616
    O-1E$2,427
    O-2E$2,481
    O-3E$2,547
    O-1$2,022
    O-2$2,367
    O-3$2,505
    O-4$2,601
    O-5$2,625
    O-6$2,673
    O-7$2,718

    Promoting to W-4 here adds $66 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 Norfolk to San Francisco at W-3 is worth $2,805 a month — about 43 promotions worth of housing allowance, at $66 per grade here.

    02

    Dependency status is worth 8% 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. $2,496 a month of BAH takes more than $2,496 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.