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 $1,989Without $1,722

    W-4 at County Cost Group 610 draws $1,989 per month with dependents in 2026, $1,722 without

    Permalinkbahratedesk.com/county-cost-group-610/w-4/ExcelCSVDownloads cover this station.
    County Cost Group 610
    W-4 · with dependents
    $1,989/ month
    $23,868 / year
    At W-4, this is #315 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779
    MHA ZZ610 · ZIPs 15536 16689 16691 17212 17215 17223 +348 more
    Your grade is calledARMYCW4USMCCWO4NAVYCWO4
    Untaxed — matching it with taxable pay takes$2,550 / mo gross
    Without dependents here$1,722 / mo
    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 · W-4 · $1,989/mo
    Aberdeen Proving Grounds$3,198/mo · $38,376/yr
    ▲ RAISE+$1,209+$14,508/yr · like +$18,600 of salary

    What this rate means

    W-4 with dependents, nearest stations0 – $6,963 / month
    Westchester County$6,963
    Holloman AFB$2,007
    County Cost Group 630$2,004
    County Cost Group 620$1,995
    Charleston$1,992
    County Cost Group 610$1,989
    Sparta$1,989
    County Cost Group 600$1,980
    Hattiesburg$1,980
    Huntington$1,977
    Stevens Point$1,779

    County Cost Group 610 is #315 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 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 W-5 here adds $108 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 Westchester County at W-4 is worth $4,974 a month — about 46 promotions worth of housing allowance, at $108 per grade here.

    02

    Dependency status is worth 16% 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. $1,989 a month of BAH takes more than $1,989 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.