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 $2,163Without $1,809

    O-4 at County Cost Group 650 draws $2,163 per month with dependents in 2026, $1,809 without

    Permalinkbahratedesk.com/county-cost-group-650/o-4/ExcelCSVDownloads cover this station.
    County Cost Group 650
    O-4 · with dependents
    $2,163/ month
    $25,956 / year
    At O-4, this is #309 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA ZZ650 · ZIPs 16028 16036 16054 16058 16213 16214 +314 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,773 / mo gross
    Without dependents here$1,809 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 650 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,335$1,074
    E-2$1,335$1,074
    E-3$1,335$1,074
    E-4$1,335$1,074
    E-5$1,443$1,167
    E-6$1,743$1,305
    E-7$1,812$1,359
    E-8$1,887$1,506
    E-9$2,001$1,590
    Warrant officer
    W-1$1,761$1,320
    W-2$1,842$1,503
    W-3$1,938$1,602
    W-4$2,022$1,752
    W-5$2,133$1,827
    Officer — prior enlisted
    O-1E$1,824$1,440
    O-2E$1,923$1,569
    O-3E$2,040$1,734
    Officer
    O-1$1,485$1,227
    O-2$1,740$1,410
    O-3$1,935$1,629
    O-4$2,163$1,809
    O-5$2,331$1,848
    O-6$2,346$1,917
    O-7$2,358$1,944
    PCS compareCounty Cost Group 650 · O-4 · $2,163/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,233+$14,796/yr · like +$18,969 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Frankfort$2,178
    County Cost Group 660$2,175
    Holloman AFB$2,175
    Fort Riley$2,169
    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
    Youngstown$1,809

    County Cost Group 650 is #309 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 6500 – $2,358 / month
    E-1$1,335
    E-2$1,335
    E-3$1,335
    E-4$1,335
    E-5$1,443
    E-6$1,743
    E-7$1,812
    E-8$1,887
    E-9$2,001
    W-1$1,761
    W-2$1,842
    W-3$1,938
    W-4$2,022
    W-5$2,133
    O-1E$1,824
    O-2E$1,923
    O-3E$2,040
    O-1$1,485
    O-2$1,740
    O-3$1,935
    O-4$2,163
    O-5$2,331
    O-6$2,346
    O-7$2,358

    Promoting to O-5 here adds $168 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 650 to Westchester County at O-4 is worth $5,307 a month — about 32 promotions worth of housing allowance, at $168 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. $2,163 a month of BAH takes more than $2,163 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.