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
    With $1,233Without $999

    E-4 at County Cost Group 520 draws $1,233 per month with dependents in 2026, $999 without

    Permalinkbahratedesk.com/county-cost-group-520/e-4/ExcelCSVDownloads cover this station.
    County Cost Group 520
    E-4 · with dependents
    $1,233/ month
    $14,796 / year
    At E-4, this is #328 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA ZZ520 · ZIPs 27551 27563 27570 27586 27589 27594 +173 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$1,581 / mo gross
    Without dependents here$999 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 520 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,233$999
    E-2$1,233$999
    E-3$1,233$999
    E-4$1,233$999
    E-5$1,332$1,077
    E-6$1,629$1,221
    E-7$1,695$1,272
    E-8$1,770$1,398
    E-9$1,875$1,479
    Warrant officer
    W-1$1,647$1,236
    W-2$1,725$1,395
    W-3$1,818$1,491
    W-4$1,899$1,638
    W-5$2,001$1,710
    Officer — prior enlisted
    O-1E$1,707$1,329
    O-2E$1,803$1,461
    O-3E$1,914$1,620
    Officer
    O-1$1,377$1,131
    O-2$1,626$1,305
    O-3$1,815$1,518
    O-4$2,031$1,692
    O-5$2,190$1,731
    O-6$2,205$1,794
    O-7$2,217$1,824
    PCS compareCounty Cost Group 520 · E-4 · $1,233/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▲ RAISE+$1,035+$12,420/yr · like +$15,923 of salary

    What this rate means

    E-4 with dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    Alexandria$1,254
    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
    Youngstown$1,134

    County Cost Group 520 is #328 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 5200 – $2,217 / month
    E-1$1,233
    E-2$1,233
    E-3$1,233
    E-4$1,233
    E-5$1,332
    E-6$1,629
    E-7$1,695
    E-8$1,770
    E-9$1,875
    W-1$1,647
    W-2$1,725
    W-3$1,818
    W-4$1,899
    W-5$2,001
    O-1E$1,707
    O-2E$1,803
    O-3E$1,914
    O-1$1,377
    O-2$1,626
    O-3$1,815
    O-4$2,031
    O-5$2,190
    O-6$2,205
    O-7$2,217

    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 520 to New York City at E-4 is worth $3,834 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. $1,233 a month of BAH takes more than $1,233 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.