What is O-4 BAH at Cleveland in 2026?

$2,889 per month with dependents ($34,668 per year), effective 01 JAN 2026. without dependents it is $2,418 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 Cleveland 2026 — $2,889/mo with dependents

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

Cleveland, OH

O-4 · with dependents

$2,889/ month

$34,668 / year

At O-4, this is #161 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA OH229 · ZIPs 44001 44011 44012 44017 44021 44022 +97 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,704 / mo gross

Other dependency status here$2,418 without dependents

In government quarters, no dependents$50.10 / mo partial

Cleveland — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,791	$1,344
E-2	$1,791	$1,344
E-3	$1,791	$1,344
E-4	$1,791	$1,344
E-5	$1,998	$1,500
E-6	$2,418	$1,815
E-7	$2,442	$1,833
E-8	$2,451	$2,088
E-9	$2,559	$2,208
Warrant officer
W-1	$2,439	$1,830
W-2	$2,448	$2,085
W-3	$2,460	$2,226
W-4	$2,604	$2,415
W-5	$2,817	$2,427
Officer — prior enlisted
O-1E	$2,445	$1,995
O-2E	$2,454	$2,181
O-3E	$2,637	$2,412
Officer
O-1	$2,055	$1,578
O-2	$2,415	$1,932
O-3	$2,457	$2,265
O-4	$2,889	$2,418
O-5	$3,222	$2,430
O-6	$3,246	$2,436
O-7	$3,267	$2,451

What this rate means

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

Westchester County$7,470

Panama City$2,913

Bloomington$2,910

Charleston$2,904

Fort Stewart$2,904

Cleveland$2,889

Tallahassee$2,883

Cincinnati$2,868

Atlanta$2,859

Carlisle Barracks$2,853

Youngstown$1,809

Cleveland is #161 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 Cleveland0 – $3,267 / month

E-1$1,791

E-2$1,791

E-3$1,791

E-4$1,791

E-5$1,998

E-6$2,418

E-7$2,442

E-8$2,451

E-9$2,559

W-1$2,439

W-2$2,448

W-3$2,460

W-4$2,604

W-5$2,817

O-1E$2,445

O-2E$2,454

O-3E$2,637

O-1$2,055

O-2$2,415

O-3$2,457

O-4$2,889

O-5$3,222

O-6$3,246

O-7$3,267

Promoting to O-5 here adds $333 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 Cleveland to Westchester County at O-4 is worth $4,581 a month — about 14 promotions worth of housing allowance, at $333 per grade here.

Dependency status is worth 19% 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. $2,889 a month of BAH takes more than $2,889 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 Cleveland draws $2,889 per month in 2026

What this rate means

Things the rate table doesn't tell you