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 680 draws $1,839 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-680/o-4/without/ExcelCSVDownloads cover this station.
    County Cost Group 680
    O-4 · without dependents
    $1,839/ month
    $22,068 / year
    At O-4, this is #297 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA ZZ680 · ZIPs 15411 15424 15485 15501 15502 15510 +444 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,358 / mo gross
    Other dependency status here$2,199 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 680 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,365$1,095
    E-2$1,365$1,095
    E-3$1,365$1,095
    E-4$1,365$1,095
    E-5$1,470$1,191
    E-6$1,773$1,329
    E-7$1,842$1,383
    E-8$1,920$1,536
    E-9$2,034$1,620
    Warrant officer
    W-1$1,791$1,344
    W-2$1,875$1,533
    W-3$1,971$1,632
    W-4$2,058$1,785
    W-5$2,166$1,860
    Officer — prior enlisted
    O-1E$1,854$1,467
    O-2E$1,956$1,602
    O-3E$2,073$1,764
    Officer
    O-1$1,515$1,254
    O-2$1,770$1,440
    O-3$1,968$1,659
    O-4$2,199$1,839
    O-5$2,367$1,878
    O-6$2,385$1,947
    O-7$2,397$1,980
    PCS compareCounty Cost Group 680 · O-4 · $1,839/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▲ RAISE+$1,026+$12,312/yr · like +$15,785 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Fort Polk$1,866
    Sparta$1,866
    County Cost Group 690$1,851
    Fort Riley$1,842
    County Cost Group 680$1,839
    Fort Leonard Wood$1,833
    County Cost Group 670$1,830
    Huntington$1,821
    County Cost Group 660$1,818
    Youngstown$1,497

    County Cost Group 680 is #297 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 6800 – $1,980 / month
    E-1$1,095
    E-2$1,095
    E-3$1,095
    E-4$1,095
    E-5$1,191
    E-6$1,329
    E-7$1,383
    E-8$1,536
    E-9$1,620
    W-1$1,344
    W-2$1,533
    W-3$1,632
    W-4$1,785
    W-5$1,860
    O-1E$1,467
    O-2E$1,602
    O-3E$1,764
    O-1$1,254
    O-2$1,440
    O-3$1,659
    O-4$1,839
    O-5$1,878
    O-6$1,947
    O-7$1,980

    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 680 to Westchester County at O-4 is worth $4,035 a month — about 103 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. $1,839 a month of BAH takes more than $1,839 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.