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-4 without dependents at Albuquerque draws $2,343 per month in 2026

    Permalinkbahratedesk.com/albuquerque-kirtland-afb-nm/o-4/without/ExcelCSVDownloads cover this station.
    Albuquerque/Kirtland AFB, NM
    O-4 · without dependents
    $2,343/ month
    $28,116 / year
    At O-4, this is #182 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA NM206 · ZIPs 87001 87002 87004 87006 87008 87013 +68 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,004 / mo gross
    Other dependency status here$2,670 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Albuquerque — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,992$1,557
    E-2$1,992$1,557
    E-3$1,992$1,557
    E-4$1,992$1,557
    E-5$2,211$1,689
    E-6$2,328$1,794
    E-7$2,352$2,001
    E-8$2,379$2,241
    E-9$2,472$2,265
    Warrant officer
    W-1$2,343$1,926
    W-2$2,361$2,238
    W-3$2,400$2,271
    W-4$2,502$2,325
    W-5$2,631$2,355
    Officer — prior enlisted
    O-1E$2,355$2,208
    O-2E$2,391$2,259
    O-3E$2,520$2,316
    Officer
    O-1$2,235$1,770
    O-2$2,325$2,142
    O-3$2,397$2,280
    O-4$2,670$2,343
    O-5$2,871$2,358
    O-6$2,892$2,376
    O-7$2,910$2,415
    PCS compareAlbuquerque · O-4 · $2,343/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▲ RAISE+$522+$6,264/yr · like +$8,031 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    State College$2,388
    Columbus$2,364
    County Cost Group 800$2,361
    El Centro$2,346
    Albuquerque$2,343
    Eastern Shore$2,337
    Provo$2,337
    Lemoore NAS$2,334
    Raleigh$2,334
    Youngstown$1,497

    Albuquerque is #182 of 338. The spread between the dearest and cheapest station at this grade is $4,377 a month — $52,524 a year, untaxed.

    Every pay grade at Albuquerque0 – $2,415 / month
    E-1$1,557
    E-2$1,557
    E-3$1,557
    E-4$1,557
    E-5$1,689
    E-6$1,794
    E-7$2,001
    E-8$2,241
    E-9$2,265
    W-1$1,926
    W-2$2,238
    W-3$2,271
    W-4$2,325
    W-5$2,355
    O-1E$2,208
    O-2E$2,259
    O-3E$2,316
    O-1$1,770
    O-2$2,142
    O-3$2,280
    O-4$2,343
    O-5$2,358
    O-6$2,376
    O-7$2,415

    Promoting to O-5 here adds $15 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 Albuquerque to Westchester County at O-4 is worth $3,531 a month — about 235 promotions worth of housing allowance, at $15 per grade here.

    02

    Dependency status is worth 14% 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. $2,343 a month of BAH takes more than $2,343 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.