What is O-4 BAH at Charlottesville in 2026?

$3,333 per month with dependents ($39,996 per year), effective 01 JAN 2026. without dependents it is $2,838 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-4 BAH at Charlottesville 2026 — $3,333/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Charlottesville, VA

O-4 · with dependents

$3,333/ month

$39,996 / year

At O-4, this is #97 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA VA295 · ZIPs 22901 22902 22903 22904 22905 22906 +18 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$4,273 / mo gross

Other dependency status here$2,838 without dependents

In government quarters, no dependents$50.10 / mo partial

Charlottesville — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,259	$1,845
E-2	$2,259	$1,845
E-3	$2,259	$1,845
E-4	$2,259	$1,845
E-5	$2,373	$2,034
E-6	$2,715	$2,151
E-7	$2,835	$2,259
E-8	$2,964	$2,445
E-9	$3,129	$2,541
Warrant officer
W-1	$2,733	$2,232
W-2	$2,889	$2,442
W-3	$3,048	$2,556
W-4	$3,156	$2,739
W-5	$3,291	$2,865
Officer — prior enlisted
O-1E	$2,856	$2,370
O-2E	$3,024	$2,520
O-3E	$3,177	$2,706
Officer
O-1	$2,421	$2,142
O-2	$2,712	$2,340
O-3	$3,045	$2,589
O-4	$3,333	$2,838
O-5	$3,540	$2,907
O-6	$3,567	$3,027
O-7	$3,594	$3,081

What this rate means

O-4 with dependents, nearest stations0 – $7,470 / month

Westchester County$7,470

Oxford$3,378

Asheville$3,351

Fort Myers Beach$3,345

Beale AFB$3,342

Charlottesville$3,333

County Cost Group 850$3,330

JB Lewis-McChord$3,324

Sacramento$3,318

Bridgeport$3,312

Youngstown$1,809

Charlottesville is #97 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 Charlottesville0 – $3,594 / month

E-1$2,259

E-2$2,259

E-3$2,259

E-4$2,259

E-5$2,373

E-6$2,715

E-7$2,835

E-8$2,964

E-9$3,129

W-1$2,733

W-2$2,889

W-3$3,048

W-4$3,156

W-5$3,291

O-1E$2,856

O-2E$3,024

O-3E$3,177

O-1$2,421

O-2$2,712

O-3$3,045

O-4$3,333

O-5$3,540

O-6$3,567

O-7$3,594

Promoting to O-5 here adds $207 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Charlottesville to Westchester County at O-4 is worth $4,137 a month — about 20 promotions worth of housing allowance, at $207 per grade here.

Dependency status is worth 17% 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.

None of it is taxed. $3,333 a month of BAH takes more than $3,333 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-4 with dependents at Charlottesville draws $3,333 per month in 2026

What this rate means

Things the rate table doesn't tell you