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

    E-4 with dependents at County Cost Group 510 draws $1,230 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-510/e-4/with/ExcelCSVDownloads cover this station.
    County Cost Group 510
    E-4 · with dependents
    $1,230/ month
    $14,760 / year
    At E-4, this is #329 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA ZZ510 · ZIPs 23938 23941 23944 23952 23974 24054 +2429 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$1,577 / mo gross
    Other dependency status here$996 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 510 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,230$996
    E-2$1,230$996
    E-3$1,230$996
    E-4$1,230$996
    E-5$1,329$1,074
    E-6$1,626$1,218
    E-7$1,692$1,269
    E-8$1,764$1,392
    E-9$1,872$1,473
    Warrant officer
    W-1$1,644$1,233
    W-2$1,722$1,389
    W-3$1,812$1,485
    W-4$1,893$1,635
    W-5$1,998$1,707
    Officer — prior enlisted
    O-1E$1,701$1,326
    O-2E$1,797$1,455
    O-3E$1,908$1,617
    Officer
    O-1$1,371$1,128
    O-2$1,623$1,299
    O-3$1,809$1,515
    O-4$2,025$1,689
    O-5$2,184$1,725
    O-6$2,199$1,791
    O-7$2,211$1,818
    PCS compareCounty Cost Group 510 · E-4 · $1,230/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▲ RAISE+$1,038+$12,456/yr · like +$15,969 of salary

    What this rate means

    E-4 with dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    County Cost Group 550$1,251
    County Cost Group 540$1,242
    County Cost Group 530$1,239
    County Cost Group 520$1,233
    County Cost Group 510$1,230
    Fort Polk$1,206
    Fort Sill$1,203
    Meridian$1,194
    Anniston$1,176
    Youngstown$1,134

    County Cost Group 510 is #329 of 338. The spread between the dearest and cheapest station at this grade is $3,933 a month — $47,196 a year, untaxed.

    Every pay grade at County Cost Group 5100 – $2,211 / month
    E-1$1,230
    E-2$1,230
    E-3$1,230
    E-4$1,230
    E-5$1,329
    E-6$1,626
    E-7$1,692
    E-8$1,764
    E-9$1,872
    W-1$1,644
    W-2$1,722
    W-3$1,812
    W-4$1,893
    W-5$1,998
    O-1E$1,701
    O-2E$1,797
    O-3E$1,908
    O-1$1,371
    O-2$1,623
    O-3$1,809
    O-4$2,025
    O-5$2,184
    O-6$2,199
    O-7$2,211

    Promoting to E-5 here adds $99 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 County Cost Group 510 to New York City at E-4 is worth $3,837 a month — about 39 promotions worth of housing allowance, at $99 per grade here.

    02

    Dependency status is worth 23% 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. $1,230 a month of BAH takes more than $1,230 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.