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 with dependents at County Cost Group 790 draws $2,706 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-790/o-4/with/ExcelCSVDownloads cover this station.
    County Cost Group 790
    O-4 · with dependents
    $2,706/ month
    $32,472 / year
    At O-4, this is #190 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA ZZ790 · ZIPs 04225 04227 04234 04239 04262 04285 +785 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,469 / mo gross
    Other dependency status here$2,286 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 790 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,761$1,395
    E-2$1,761$1,395
    E-3$1,761$1,395
    E-4$1,761$1,395
    E-5$1,890$1,542
    E-6$2,208$1,656
    E-7$2,289$1,764
    E-8$2,376$1,959
    E-9$2,511$2,049
    Warrant officer
    W-1$2,229$1,728
    W-2$2,325$1,956
    W-3$2,436$2,061
    W-4$2,538$2,223
    W-5$2,667$2,307
    Officer — prior enlisted
    O-1E$2,304$1,887
    O-2E$2,418$2,028
    O-3E$2,559$2,202
    Officer
    O-1$1,938$1,626
    O-2$2,205$1,851
    O-3$2,433$2,091
    O-4$2,706$2,286
    O-5$2,907$2,334
    O-6$2,928$2,412
    O-7$2,949$2,451
    PCS compareCounty Cost Group 790 · O-4 · $2,706/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$690+$8,280/yr · like +$10,615 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Fort Knox$2,724
    Auburn$2,718
    Ocala$2,718
    Cheyenne$2,715
    County Cost Group 790$2,706
    Des Moines$2,706
    Kings Bay$2,706
    Birmingham$2,703
    Morehead$2,697
    Youngstown$1,809

    County Cost Group 790 is #190 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 7900 – $2,949 / month
    E-1$1,761
    E-2$1,761
    E-3$1,761
    E-4$1,761
    E-5$1,890
    E-6$2,208
    E-7$2,289
    E-8$2,376
    E-9$2,511
    W-1$2,229
    W-2$2,325
    W-3$2,436
    W-4$2,538
    W-5$2,667
    O-1E$2,304
    O-2E$2,418
    O-3E$2,559
    O-1$1,938
    O-2$2,205
    O-3$2,433
    O-4$2,706
    O-5$2,907
    O-6$2,928
    O-7$2,949

    Promoting to O-5 here adds $201 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 790 to Westchester County at O-4 is worth $4,764 a month — about 24 promotions worth of housing allowance, at $201 per grade here.

    02

    Dependency status is worth 18% 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. $2,706 a month of BAH takes more than $2,706 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.