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-4 with dependents at Champaign draws $2,280 per month in 2026

    Permalinkbahratedesk.com/champaign-urbana-il/w-4/with/ExcelCSVDownloads cover this station.
    Champaign/Urbana, IL
    W-4 · with dependents
    $2,280/ month
    $27,360 / year
    At W-4, this is #248 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779
    MHA IL088 · ZIPs 60949 61801 61802 61803 61815 61816 +27 more
    Your grade is calledARMYCW4USMCCWO4NAVYCWO4
    Untaxed — matching it with taxable pay takes$2,923 / mo gross
    Other dependency status here$1,989 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Champaign — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,467$1,230
    E-2$1,467$1,230
    E-3$1,467$1,230
    E-4$1,467$1,230
    E-5$1,539$1,329
    E-6$1,980$1,485
    E-7$2,034$1,527
    E-8$2,091$1,632
    E-9$2,238$1,761
    Warrant officer
    W-1$2,001$1,500
    W-2$2,058$1,629
    W-3$2,130$1,776
    W-4$2,280$1,989
    W-5$2,466$2,046
    Officer — prior enlisted
    O-1E$2,040$1,536
    O-2E$2,118$1,731
    O-3E$2,310$1,974
    Officer
    O-1$1,599$1,392
    O-2$1,977$1,530
    O-3$2,127$1,818
    O-4$2,529$2,028
    O-5$2,820$2,115
    O-6$2,841$2,130
    O-7$2,859$2,145
    PCS compareChampaign · W-4 · $2,280/mo
    Aberdeen Proving Grounds$3,198/mo · $38,376/yr
    ▲ RAISE+$918+$11,016/yr · like +$14,123 of salary

    What this rate means

    W-4 with dependents, every station0 – $6,963 / month
    Westchester County$6,963
    San Francisco$5,892
    New York City$5,883
    Nantucket$5,772
    Maui County$5,760
    Boston$5,457
    Santa Clara County$5,448
    Northern New Jersey$5,289
    Long Island$5,229
    Florida Keys$5,178
    Martha's Vineyard$5,166
    Hanscom AFB$5,061
    Monterey$5,001
    Kauai County$4,938
    Essex CO$4,833
    Camp Pendleton$4,824
    Staten Island$4,743
    Miami$4,737
    San Diego$4,731
    Los Angeles$4,728
    Portsmouth$4,668
    Cape Cod-Plymouth$4,596
    Trenton$4,578
    West Point$4,572
    Honolulu County$4,551
    Oakland$4,533
    San Luis Obispo$4,485
    Portland$4,482
    Fort Monmouth$4,476
    Perth Amboy$4,392
    Burlington$4,353
    Manchester$4,347
    Seattle$4,347
    Ventura$4,341
    Marin$4,305
    Fitchburg$4,266
    Newport$4,260
    Washington$4,167
    West Palm Beach$4,155
    Providence$4,131
    Hawaii County$4,014
    New Haven$4,005
    County Cost Group 890$3,984
    Worcester$3,963
    Vandenberg SFB$3,906
    Hartford$3,903
    Warrenton$3,873
    Boulder$3,825
    Brunswick$3,807
    Indian Head Navordsta$3,804
    Chicago$3,795
    Santa Fe$3,780
    Atlantic City$3,774
    Riverside$3,768
    Juneau$3,699
    JB McGuire-Dix-Lakehurst$3,678
    Everett$3,651
    County Cost Group 880$3,633
    Vallejo$3,621
    Austin$3,597
    Annapolis$3,585
    Madison$3,558
    Hampden County$3,555
    Fort G. G. Meade$3,543
    Sitka$3,531
    JB Elmendorf-Richardson$3,528
    Ann Arbor$3,528
    Willow Grove$3,525
    Quantico$3,489
    San Bernardino$3,489
    Ketchikan$3,480
    Stockton$3,477
    Eglin AFB$3,456
    New London$3,441
    County Cost Group 870$3,408
    Edwards AFB$3,390
    Fort Detrick$3,375
    Cape May$3,360
    Ballston Spa$3,357
    Milwaukee$3,336
    Kodiak Island$3,321
    Astoria$3,318
    Denver$3,288
    Baltimore$3,279
    County Cost Group 860$3,219
    Outer Banks$3,219
    Beale AFB$3,216
    Fort Myers Beach$3,213
    Fort Pierce$3,204
    JB Lewis-McChord$3,201
    Aberdeen Proving Grounds$3,198
    Portland$3,180
    Whidbey Island$3,174
    Port Angeles$3,159
    Charlottesville$3,156
    Great Lakes Navtracen$3,156
    Philadelphia$3,156
    Sacramento$3,144
    Tampa$3,141
    Traverse City$3,141
    Oxford$3,135
    Bridgeport$3,129
    County Cost Group 850$3,129
    Bremerton$3,126
    Dover AFB$3,066
    Corvallis$3,063
    Fairbanks$3,045
    Fresno$3,042
    Knoxville$3,036
    Asheville$3,033
    Orlando$3,033
    County Cost Group 840$3,030
    Minneapolis$3,015
    Dahlgren$2,997
    Allentown$2,991
    Beaufort$2,982
    Patrick SFB$2,976
    Rome$2,958
    Detroit$2,949
    County Cost Group 830$2,946
    Humboldt County$2,943
    Coastal Maine$2,937
    Reno$2,922
    Spokane$2,922
    Abilene$2,919
    Dallas$2,919
    Twenty Nine Palms MCB$2,919
    Syracuse$2,901
    Buffalo$2,895
    Eugene$2,889
    Fort Collins$2,886
    Patuxent River$2,886
    Nashville$2,877
    Helena$2,874
    College Station$2,871
    St. Louis$2,871
    Richmond$2,862
    Rochester$2,859
    Savannah$2,853
    County Cost Group 820$2,847
    Barstow$2,838
    Norfolk$2,832
    Houston$2,829
    Gainesville$2,826
    Salem$2,826
    Salt Lake City$2,823
    Yakima$2,823
    Coos Bay$2,796
    Elizabeth City$2,796
    Charleston$2,790
    Pittsburgh$2,790
    Panama City$2,787
    Wilmington$2,775
    Atlanta$2,772
    Omaha$2,742
    El Centro$2,739
    County Cost Group 810$2,736
    Fort Stewart$2,715
    State College$2,715
    Volusia County$2,706
    Cincinnati$2,703
    Tallahassee$2,700
    Carlisle Barracks$2,673
    Durham$2,673
    Chattanooga$2,670
    Fort Carson$2,664
    Columbus$2,664
    New Orleans$2,664
    Bloomington$2,640
    Jackson$2,634
    Grand Haven$2,631
    Myrtle Beach$2,625
    County Cost Group 800$2,619
    Battle Creek$2,616
    Provo$2,613
    Fort Campbell$2,610
    Hampton$2,610
    Cleveland$2,604
    Dahlonega$2,604
    Birmingham$2,598
    Eastern Panhandle$2,598
    Fargo$2,598
    Bangor$2,586
    Corpus Christi$2,583
    Rapid City$2,559
    Cheyenne$2,547
    Grand Rapids$2,547
    Fort Drum$2,544
    Ocala$2,544
    County Cost Group 790$2,538
    Des Moines$2,538
    Fort Knox$2,538
    Waco$2,538
    Lemoore NAS$2,535
    Phoenix$2,535
    Auburn$2,532
    Kings Bay$2,529
    Morehead$2,529
    Louisville$2,523
    Fort Worth$2,511
    Albuquerque$2,502
    Eastern Shore$2,496
    Charlotte$2,481
    Marquette$2,481
    Nellis AFB$2,469
    Fayetteville$2,466
    Johnson City$2,466
    Raleigh$2,466
    Wichita Fls$2,463
    Boise$2,457
    Duluth$2,457
    County Cost Group 780$2,451
    Mountain Home AFB$2,451
    Jacksonville$2,445
    Fort Leavenworth$2,439
    Ogden$2,436
    Fort Hood$2,433
    Kansas City$2,430
    Rock Island$2,421
    Roanoke$2,409
    Memphis$2,394
    Fallon NAS$2,391
    Shreveport$2,382
    Bismarck$2,379
    County Cost Group 770$2,379
    Fort Rucker$2,373
    Malmstrom SFB$2,373
    Fort Gordon$2,367
    Scott AFB$2,367
    Lincoln$2,364
    Indianapolis$2,361
    Whiteman AFB$2,349
    Lexington$2,343
    Columbia$2,340
    Greensboro$2,340
    Pensacola$2,325
    Baton Rouge$2,322
    Seymour Johnson AFB$2,322
    Fort Wayne$2,319
    Mobile$2,319
    Toledo$2,319
    Robins AFB$2,313
    Grand Forks$2,307
    Huntsville$2,307
    County Cost Group 760$2,301
    Greenville$2,301
    Brownsville$2,292
    Champaign$2,280
    Lansing$2,280
    Laughlin AFB$2,280
    Davis-Monthan AFB$2,274
    Fort Bragg$2,271
    China Lake$2,268
    Fort Huachuca$2,265
    Fort Bliss$2,256
    Tulsa$2,253
    Columbus AFB$2,250
    County Cost Group 750$2,247
    Goodfellow AFB$2,247
    Minot AFB$2,247
    Lexington$2,241
    Wright-Patterson AFB$2,232
    Columbia$2,226
    Wilkes-Barre$2,214
    County Cost Group 740$2,193
    Sioux Falls$2,193
    Camp Lejeune$2,187
    Topeka$2,187
    San Antonio (JBSA)$2,178
    Gulfport$2,175
    Paducah$2,175
    Sumter$2,169
    County Cost Group 730$2,157
    Morgantown$2,157
    Frankfort$2,151
    Fort Benning$2,148
    Terre Haute$2,145
    Springfield$2,142
    White Sands MR$2,142
    Lafayette$2,139
    Yuma$2,139
    Akron$2,136
    Peoria$2,133
    St Mary And Terrebonne$2,133
    County Cost Group 720$2,130
    Moody AFB$2,130
    Lubbock$2,121
    County Cost Group 710$2,106
    Little Rock$2,100
    Sault Ste Marie$2,097
    Springfield$2,094
    Lake Charles$2,088
    County Cost Group 700$2,085
    Alexandria$2,073
    Fort Leonard Wood$2,073
    Montgomery$2,073
    County Cost Group 690$2,070
    Beaumont$2,064
    County Cost Group 680$2,058
    Oklahoma City$2,055
    Fort Chaffee$2,052
    Meridian$2,052
    Wichita$2,052
    Albany$2,046
    County Cost Group 670$2,046
    Fort Riley$2,037
    County Cost Group 660$2,034
    County Cost Group 650$2,022
    County Cost Group 640$2,013
    Fort Polk$2,010
    Holloman AFB$2,007
    County Cost Group 630$2,004
    County Cost Group 620$1,995
    Charleston$1,992
    County Cost Group 610$1,989
    Sparta$1,989
    County Cost Group 600$1,980
    Hattiesburg$1,980
    Huntington$1,977
    County Cost Group 590$1,968
    County Cost Group 580$1,953
    Erie$1,950
    Vance AFB$1,950
    Altus AFB$1,947
    County Cost Group 570$1,941
    County Cost Group 560$1,932
    County Cost Group 550$1,920
    County Cost Group 540$1,911
    County Cost Group 530$1,902
    County Cost Group 520$1,899
    Cannon AFB$1,893
    County Cost Group 510$1,893
    Saginaw$1,878
    Fort Sill$1,872
    Monroe$1,797
    Youngstown$1,785
    Anniston$1,782
    Stevens Point$1,779

    Champaign is #248 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 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

    Promoting to W-5 here adds $186 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 Champaign to Westchester County at W-4 is worth $4,683 a month — about 25 promotions worth of housing allowance, at $186 per grade here.

    02

    Dependency status is worth 15% 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. $2,280 a month of BAH takes more than $2,280 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.