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

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

    Permalinkbahratedesk.com/county-cost-group-650/o-4/without/ExcelCSVDownloads cover this station.
    County Cost Group 650
    O-4 · without dependents
    $1,809/ month
    $21,708 / year
    At O-4, this is #304 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA ZZ650 · ZIPs 16028 16036 16054 16058 16213 16214 +314 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,319 / mo gross
    Other dependency status here$2,163 with dependents
    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 · $1,809/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▲ RAISE+$1,056+$12,672/yr · like +$16,246 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Huntington$1,821
    County Cost Group 660$1,818
    Montgomery$1,815
    Columbia$1,812
    County Cost Group 650$1,809
    County Cost Group 640$1,800
    Charleston$1,791
    County Cost Group 630$1,791
    Fort Chaffee$1,785
    Youngstown$1,497

    County Cost Group 650 is #304 of 338. The spread between the dearest and cheapest station at this grade is $4,377 a month — $52,524 a year, untaxed.

    Every pay grade at County Cost Group 6500 – $1,944 / month
    E-1$1,074
    E-2$1,074
    E-3$1,074
    E-4$1,074
    E-5$1,167
    E-6$1,305
    E-7$1,359
    E-8$1,506
    E-9$1,590
    W-1$1,320
    W-2$1,503
    W-3$1,602
    W-4$1,752
    W-5$1,827
    O-1E$1,440
    O-2E$1,569
    O-3E$1,734
    O-1$1,227
    O-2$1,410
    O-3$1,629
    O-4$1,809
    O-5$1,848
    O-6$1,917
    O-7$1,944

    Promoting to O-5 here adds $39 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 $4,065 a month — about 104 promotions worth of housing allowance, at $39 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. $1,809 a month of BAH takes more than $1,809 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.