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 $2,055Without $1,713

    O-4 at County Cost Group 550 draws $2,055 per month with dependents in 2026, $1,713 without

    Permalinkbahratedesk.com/county-cost-group-550/o-4/ExcelCSVDownloads cover this station.
    County Cost Group 550
    O-4 · with dependents
    $2,055/ month
    $24,660 / year
    At O-4, this is #327 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA ZZ550 · ZIPs 24224 24225 24237 24260 24266 24280 +394 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,635 / mo gross
    Without dependents here$1,713 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 550 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,251$1,011
    E-2$1,251$1,011
    E-3$1,251$1,011
    E-4$1,251$1,011
    E-5$1,353$1,092
    E-6$1,650$1,236
    E-7$1,716$1,287
    E-8$1,788$1,416
    E-9$1,899$1,497
    Warrant officer
    W-1$1,668$1,251
    W-2$1,746$1,413
    W-3$1,839$1,509
    W-4$1,920$1,659
    W-5$2,025$1,731
    Officer — prior enlisted
    O-1E$1,728$1,350
    O-2E$1,824$1,479
    O-3E$1,935$1,641
    Officer
    O-1$1,395$1,149
    O-2$1,647$1,323
    O-3$1,836$1,539
    O-4$2,055$1,713
    O-5$2,214$1,749
    O-6$2,229$1,815
    O-7$2,241$1,845
    PCS compareCounty Cost Group 550 · O-4 · $2,055/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,341+$16,092/yr · like +$20,631 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    County Cost Group 570$2,076
    Erie$2,076
    Huntington$2,073
    County Cost Group 560$2,067
    County Cost Group 550$2,055
    Fort Sill$2,055
    County Cost Group 540$2,046
    County Cost Group 530$2,037
    County Cost Group 520$2,031
    Youngstown$1,809

    County Cost Group 550 is #327 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 5500 – $2,241 / month
    E-1$1,251
    E-2$1,251
    E-3$1,251
    E-4$1,251
    E-5$1,353
    E-6$1,650
    E-7$1,716
    E-8$1,788
    E-9$1,899
    W-1$1,668
    W-2$1,746
    W-3$1,839
    W-4$1,920
    W-5$2,025
    O-1E$1,728
    O-2E$1,824
    O-3E$1,935
    O-1$1,395
    O-2$1,647
    O-3$1,836
    O-4$2,055
    O-5$2,214
    O-6$2,229
    O-7$2,241

    Promoting to O-5 here adds $159 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 550 to Westchester County at O-4 is worth $5,415 a month — about 34 promotions worth of housing allowance, at $159 per grade here.

    02

    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.

    03

    None of it is taxed. $2,055 a month of BAH takes more than $2,055 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.