What is O-4 BAH at County Cost Group 510 in 2026?

$2,025 per month with dependents ($24,300 per year), effective 01 JAN 2026. without dependents it is $1,689 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 County Cost Group 510 2026 — $2,025/mo with dependents

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

County Cost Group 510

O-4 · with dependents

$2,025/ month

$24,300 / year

At O-4, this is #332 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA ZZ510 · ZIPs 23938 23941 23944 23952 23974 24054 +2429 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$2,596 / mo gross

Other dependency status here$1,689 without dependents

In government quarters, no dependents$50.10 / mo partial

County Cost Group 510 — full sheetTap a row

Grade	With 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

What this rate means

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

Westchester County$7,470

Fort Sill$2,055

County Cost Group 540$2,046

County Cost Group 530$2,037

County Cost Group 520$2,031

County Cost Group 510$2,025

Saginaw$1,938

Anniston$1,935

Cannon AFB$1,920

Monroe$1,908

Youngstown$1,809

County Cost Group 510 is #332 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 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 O-5 here adds $159 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 County Cost Group 510 to Westchester County at O-4 is worth $5,445 a month — about 34 promotions worth of housing allowance, at $159 per grade here.

Dependency status is worth 20% 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. $2,025 a month of BAH takes more than $2,025 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 County Cost Group 510 draws $2,025 per month in 2026

What this rate means

Things the rate table doesn't tell you