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
    With $1,935Without $1,557

    O-4 at Anniston draws $1,935 per month with dependents in 2026, $1,557 without

    Permalinkbahratedesk.com/anniston-fort-mcclellan-al/o-4/ExcelCSVDownloads cover this station.
    Anniston/Fort McClellan, AL
    O-4 · with dependents
    $1,935/ month
    $23,220 / year
    At O-4, this is #334 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA AL001 · ZIPs 35014 35032 35044 35082 35096 35149 +44 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,481 / mo gross
    Without dependents here$1,557 / mo
    In government quarters, no dependents$50.10 / mo partial
    Anniston — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,176$1,065
    E-2$1,176$1,065
    E-3$1,176$1,065
    E-4$1,176$1,065
    E-5$1,185$1,119
    E-6$1,491$1,164
    E-7$1,560$1,191
    E-8$1,638$1,251
    E-9$1,755$1,335
    Warrant officer
    W-1$1,509$1,188
    W-2$1,590$1,248
    W-3$1,689$1,347
    W-4$1,782$1,500
    W-5$1,899$1,575
    Officer — prior enlisted
    O-1E$1,572$1,197
    O-2E$1,671$1,314
    O-3E$1,800$1,482
    Officer
    O-1$1,230$1,161
    O-2$1,488$1,194
    O-3$1,686$1,377
    O-4$1,935$1,557
    O-5$2,115$1,596
    O-6$2,130$1,665
    O-7$2,142$1,692
    PCS compareAnniston · O-4 · $1,935/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,461+$17,532/yr · like +$22,477 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    County Cost Group 530$2,037
    County Cost Group 520$2,031
    County Cost Group 510$2,025
    Saginaw$1,938
    Anniston$1,935
    Cannon AFB$1,920
    Monroe$1,908
    Stevens Point$1,878
    Youngstown$1,809

    Anniston is #334 of 338. The spread between the dearest and cheapest station at this grade is $5,661 a month — $67,932 a year, untaxed.

    Every pay grade at Anniston0 – $2,142 / month
    E-1$1,176
    E-2$1,176
    E-3$1,176
    E-4$1,176
    E-5$1,185
    E-6$1,491
    E-7$1,560
    E-8$1,638
    E-9$1,755
    W-1$1,509
    W-2$1,590
    W-3$1,689
    W-4$1,782
    W-5$1,899
    O-1E$1,572
    O-2E$1,671
    O-3E$1,800
    O-1$1,230
    O-2$1,488
    O-3$1,686
    O-4$1,935
    O-5$2,115
    O-6$2,130
    O-7$2,142

    Promoting to O-5 here adds $180 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 Anniston to Westchester County at O-4 is worth $5,535 a month — about 31 promotions worth of housing allowance, at $180 per grade here.

    02

    Dependency status is worth 24% 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. $1,935 a month of BAH takes more than $1,935 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.