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 $2,229Without $1,866

    O-4 at County Cost Group 700 draws $2,229 per month with dependents in 2026, $1,866 without

    Permalinkbahratedesk.com/county-cost-group-700/o-4/ExcelCSVDownloads cover this station.
    County Cost Group 700
    O-4 · with dependents
    $2,229/ month
    $26,748 / year
    At O-4, this is #297 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA ZZ700 · ZIPs 12025 12032 12078 12095 12117 12134 +752 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,858 / mo gross
    Without dependents here$1,866 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 700 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,389$1,116
    E-2$1,389$1,116
    E-3$1,389$1,116
    E-4$1,389$1,116
    E-5$1,497$1,212
    E-6$1,800$1,347
    E-7$1,872$1,404
    E-8$1,947$1,563
    E-9$2,064$1,647
    Warrant officer
    W-1$1,818$1,365
    W-2$1,902$1,560
    W-3$2,001$1,659
    W-4$2,085$1,812
    W-5$2,199$1,887
    Officer — prior enlisted
    O-1E$1,881$1,494
    O-2E$1,983$1,626
    O-3E$2,103$1,791
    Officer
    O-1$1,542$1,278
    O-2$1,797$1,464
    O-3$1,998$1,686
    O-4$2,229$1,866
    O-5$2,400$1,908
    O-6$2,418$1,977
    O-7$2,433$2,007
    PCS compareCounty Cost Group 700 · O-4 · $2,229/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,167+$14,004/yr · like +$17,954 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    County Cost Group 710$2,253
    White Sands MR$2,241
    Springfield$2,238
    Wichita$2,232
    County Cost Group 700$2,229
    County Cost Group 690$2,214
    Charleston$2,208
    Meridian$2,202
    County Cost Group 680$2,199
    Youngstown$1,809

    County Cost Group 700 is #297 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 7000 – $2,433 / month
    E-1$1,389
    E-2$1,389
    E-3$1,389
    E-4$1,389
    E-5$1,497
    E-6$1,800
    E-7$1,872
    E-8$1,947
    E-9$2,064
    W-1$1,818
    W-2$1,902
    W-3$2,001
    W-4$2,085
    W-5$2,199
    O-1E$1,881
    O-2E$1,983
    O-3E$2,103
    O-1$1,542
    O-2$1,797
    O-3$1,998
    O-4$2,229
    O-5$2,400
    O-6$2,418
    O-7$2,433

    Promoting to O-5 here adds $171 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 700 to Westchester County at O-4 is worth $5,241 a month — about 31 promotions worth of housing allowance, at $171 per grade here.

    02

    Dependency status is worth 19% 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. $2,229 a month of BAH takes more than $2,229 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.