Official data current

Champaign BAH rates

Verified · Effective 2026-01-01 · MHA IL088

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O-4 · With dependents
$2,529per month

$30,348 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #227 of 338O-4 · with dependents reference
Taxable-pay equivalent$3,242/mo Using the stated 22% comparison rate
Year-over-year change+$240/mo · +10.5%2025 $2,289 → 2026 $2,529
O-4 rate selectedMHA IL088 ZIPs 60949 61801 61802 61803 61815 61816 +27
PCS compare Champaign · O-4 · with dep. · $2,529/mo
Champaign $2,529/mo · $30,348/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$2,289
2026$2,529

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Champaign — full sheet Tap a row

What this rate means

O-4 with dependents, nearest stations0 – $7,470 / month
Westchester County $7,470
Jacksonville $2,580
Fort Hood $2,577
Lexington $2,571
Ogden $2,565
Shreveport $2,562
Fort Gordon $2,559
Toledo $2,544
County Cost Group 770 $2,541
Fort Rucker $2,541
Malmstrom SFB $2,532
Champaign $2,529
Lansing $2,529
Laughlin AFB $2,526
Charlotte $2,520
Baton Rouge $2,517
Columbia $2,517
Whiteman AFB $2,517
Fort Leavenworth $2,508
Memphis $2,508
Mobile $2,508
Fort Wayne $2,505
Youngstown $1,809

Champaign is #227 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 Champaign0 – $2,859 / month
E-1 $1,467
E-2 $1,467
E-3 $1,467
E-4 $1,467
E-5 $1,539
E-6 $1,980
E-7 $2,034
E-8 $2,091
E-9 $2,238
W-1 $2,001
W-2 $2,058
W-3 $2,130
W-4 $2,280
W-5 $2,466
O-1E $2,040
O-2E $2,118
O-3E $2,310
O-1 $1,599
O-2 $1,977
O-3 $2,127
O-4 $2,529
O-5 $2,820
O-6 $2,841
O-7 $2,859

The pay chart moves this allowance far less than the map does.

Moving from Champaign to Westchester County at O-4 is worth $4,941 a month — about 17 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…