What is O-4 BAH at College Station in 2026?

$3,165 per month with dependents ($37,980 per year), effective 01 JAN 2026. without dependents it is $2,499 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 College Station 2026 — $3,165/mo with dependents

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

College Station, TX

O-4 · with dependents

$3,165/ month

$37,980 / year

At O-4, this is #116 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA TX274 · ZIPs 77801 77802 77803 77805 77806 77807 +10 more

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Untaxed — matching it with taxable pay takes$4,058 / mo gross

Other dependency status here$2,499 without dependents

In government quarters, no dependents$50.10 / mo partial

College Station — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,662	$1,356
E-2	$1,662	$1,356
E-3	$1,662	$1,356
E-4	$1,662	$1,356
E-5	$1,758	$1,485
E-6	$2,391	$1,794
E-7	$2,499	$1,875
E-8	$2,616	$1,962
E-9	$2,820	$2,115
Warrant officer
W-1	$2,412	$1,809
W-2	$2,547	$1,911
W-3	$2,688	$2,118
W-4	$2,871	$2,412
W-5	$3,090	$2,526
Officer — prior enlisted
O-1E	$2,517	$1,887
O-2E	$2,667	$2,034
O-3E	$2,904	$2,385
Officer
O-1	$1,836	$1,563
O-2	$2,385	$1,878
O-3	$2,685	$2,160
O-4	$3,165	$2,499
O-5	$3,513	$2,634
O-6	$3,540	$2,667
O-7	$3,567	$2,712

What this rate means

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

Westchester County$7,470

Fairbanks$3,210

Allentown$3,207

Beaufort$3,192

Minneapolis$3,183

College Station$3,165

County Cost Group 830$3,138

Orlando$3,135

Reno$3,120

Patrick SFB$3,108

Youngstown$1,809

College Station is #116 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 College Station0 – $3,567 / month

E-1$1,662

E-2$1,662

E-3$1,662

E-4$1,662

E-5$1,758

E-6$2,391

E-7$2,499

E-8$2,616

E-9$2,820

W-1$2,412

W-2$2,547

W-3$2,688

W-4$2,871

W-5$3,090

O-1E$2,517

O-2E$2,667

O-3E$2,904

O-1$1,836

O-2$2,385

O-3$2,685

O-4$3,165

O-5$3,513

O-6$3,540

O-7$3,567

Promoting to O-5 here adds $348 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 College Station to Westchester County at O-4 is worth $4,305 a month — about 12 promotions worth of housing allowance, at $348 per grade here.

Dependency status is worth 27% 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. $3,165 a month of BAH takes more than $3,165 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 College Station draws $3,165 per month in 2026

What this rate means

Things the rate table doesn't tell you