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 610 draws $1,308 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-610/e-4/with/ExcelCSVDownloads cover this station.
    County Cost Group 610
    E-4 · with dependents
    $1,308/ month
    $15,696 / year
    At E-4, this is #309 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA ZZ610 · ZIPs 15536 16689 16691 17212 17215 17223 +348 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$1,677 / mo gross
    Other dependency status here$1,053 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 610 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,308$1,053
    E-2$1,308$1,053
    E-3$1,308$1,053
    E-4$1,308$1,053
    E-5$1,410$1,143
    E-6$1,710$1,281
    E-7$1,779$1,335
    E-8$1,854$1,476
    E-9$1,965$1,557
    Warrant officer
    W-1$1,728$1,296
    W-2$1,809$1,473
    W-3$1,905$1,572
    W-4$1,989$1,722
    W-5$2,097$1,794
    Officer — prior enlisted
    O-1E$1,791$1,407
    O-2E$1,890$1,539
    O-3E$2,004$1,701
    Officer
    O-1$1,455$1,200
    O-2$1,707$1,380
    O-3$1,902$1,599
    O-4$2,127$1,776
    O-5$2,292$1,815
    O-6$2,307$1,881
    O-7$2,319$1,911
    PCS compareCounty Cost Group 610 · E-4 · $1,308/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▲ RAISE+$960+$11,520/yr · like +$14,769 of salary

    What this rate means

    E-4 with dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    Wichita$1,320
    Hattiesburg$1,317
    County Cost Group 620$1,314
    Charleston$1,308
    County Cost Group 610$1,308
    Columbus AFB$1,302
    County Cost Group 600$1,302
    Paducah$1,293
    Springfield$1,293
    Youngstown$1,134

    County Cost Group 610 is #309 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 6100 – $2,319 / month
    E-1$1,308
    E-2$1,308
    E-3$1,308
    E-4$1,308
    E-5$1,410
    E-6$1,710
    E-7$1,779
    E-8$1,854
    E-9$1,965
    W-1$1,728
    W-2$1,809
    W-3$1,905
    W-4$1,989
    W-5$2,097
    O-1E$1,791
    O-2E$1,890
    O-3E$2,004
    O-1$1,455
    O-2$1,707
    O-3$1,902
    O-4$2,127
    O-5$2,292
    O-6$2,307
    O-7$2,319

    Promoting to E-5 here adds $102 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 610 to New York City at E-4 is worth $3,759 a month — about 37 promotions worth of housing allowance, at $102 per grade here.

    02

    Dependency status is worth 24% 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. $1,308 a month of BAH takes more than $1,308 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.