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 $2,688Without $2,226

    O-4 at Bangor draws $2,688 per month with dependents in 2026, $2,226 without

    Permalinkbahratedesk.com/bangor-me/o-4/ExcelCSVDownloads cover this station.
    Bangor, ME
    O-4 · with dependents
    $2,688/ month
    $32,256 / year
    At O-4, this is #197 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA ME390 · ZIPs 04401 04402 04410 04411 04412 04417 +40 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,446 / mo gross
    Without dependents here$2,226 / mo
    In government quarters, no dependents$50.10 / mo partial
    Bangor — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,728$1,296
    E-2$1,728$1,296
    E-3$1,728$1,296
    E-4$1,728$1,296
    E-5$1,893$1,443
    E-6$2,052$1,575
    E-7$2,217$1,731
    E-8$2,403$1,932
    E-9$2,568$1,968
    Warrant officer
    W-1$2,067$1,680
    W-2$2,292$1,929
    W-3$2,523$1,974
    W-4$2,586$2,082
    W-5$2,667$2,259
    Officer — prior enlisted
    O-1E$2,250$1,890
    O-2E$2,487$1,959
    O-3E$2,598$2,040
    Officer
    O-1$1,920$1,557
    O-2$2,049$1,842
    O-3$2,514$1,989
    O-4$2,688$2,226
    O-5$2,814$2,328
    O-6$2,835$2,502
    O-7$2,853$2,544
    PCS compareBangor · O-4 · $2,688/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$708+$8,496/yr · like +$10,892 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Birmingham$2,703
    Morehead$2,697
    Rapid City$2,691
    Wichita Fls$2,691
    Bangor$2,688
    Lemoore NAS$2,673
    Albuquerque$2,670
    Johnson City$2,664
    Mountain Home AFB$2,658
    Youngstown$1,809

    Bangor is #197 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 Bangor0 – $2,853 / month
    E-1$1,728
    E-2$1,728
    E-3$1,728
    E-4$1,728
    E-5$1,893
    E-6$2,052
    E-7$2,217
    E-8$2,403
    E-9$2,568
    W-1$2,067
    W-2$2,292
    W-3$2,523
    W-4$2,586
    W-5$2,667
    O-1E$2,250
    O-2E$2,487
    O-3E$2,598
    O-1$1,920
    O-2$2,049
    O-3$2,514
    O-4$2,688
    O-5$2,814
    O-6$2,835
    O-7$2,853

    Promoting to O-5 here adds $126 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 Bangor to Westchester County at O-4 is worth $4,782 a month — about 38 promotions worth of housing allowance, at $126 per grade here.

    02

    Dependency status is worth 21% 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. $2,688 a month of BAH takes more than $2,688 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.