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 $2,145Without $1,791

    O-4 at County Cost Group 630 draws $2,145 per month with dependents in 2026, $1,791 without

    Permalinkbahratedesk.com/county-cost-group-630/o-4/ExcelCSVDownloads cover this station.
    County Cost Group 630
    O-4 · with dependents
    $2,145/ month
    $25,740 / year
    At O-4, this is #313 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA ZZ630 · ZIPs 15521 15522 15533 15534 15535 15537 +514 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,750 / mo gross
    Without dependents here$1,791 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 630 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,320$1,065
    E-2$1,320$1,065
    E-3$1,320$1,065
    E-4$1,320$1,065
    E-5$1,425$1,155
    E-6$1,725$1,293
    E-7$1,794$1,347
    E-8$1,869$1,491
    E-9$1,983$1,572
    Warrant officer
    W-1$1,746$1,311
    W-2$1,827$1,488
    W-3$1,920$1,587
    W-4$2,004$1,737
    W-5$2,112$1,812
    Officer — prior enlisted
    O-1E$1,806$1,422
    O-2E$1,905$1,554
    O-3E$2,022$1,719
    Officer
    O-1$1,470$1,215
    O-2$1,722$1,395
    O-3$1,917$1,614
    O-4$2,145$1,791
    O-5$2,310$1,830
    O-6$2,325$1,899
    O-7$2,340$1,929
    PCS compareCounty Cost Group 630 · O-4 · $2,145/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,251+$15,012/yr · like +$19,246 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    County Cost Group 650$2,163
    Vance AFB$2,163
    Hattiesburg$2,160
    County Cost Group 640$2,154
    County Cost Group 630$2,145
    Fort Leonard Wood$2,142
    County Cost Group 620$2,136
    Altus AFB$2,130
    County Cost Group 610$2,127
    Youngstown$1,809

    County Cost Group 630 is #313 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 6300 – $2,340 / month
    E-1$1,320
    E-2$1,320
    E-3$1,320
    E-4$1,320
    E-5$1,425
    E-6$1,725
    E-7$1,794
    E-8$1,869
    E-9$1,983
    W-1$1,746
    W-2$1,827
    W-3$1,920
    W-4$2,004
    W-5$2,112
    O-1E$1,806
    O-2E$1,905
    O-3E$2,022
    O-1$1,470
    O-2$1,722
    O-3$1,917
    O-4$2,145
    O-5$2,310
    O-6$2,325
    O-7$2,340

    Promoting to O-5 here adds $165 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 630 to Westchester County at O-4 is worth $5,325 a month — about 32 promotions worth of housing allowance, at $165 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. $2,145 a month of BAH takes more than $2,145 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.