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 800 draws $2,361 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-800/o-4/without/ExcelCSVDownloads cover this station.
    County Cost Group 800
    O-4 · without dependents
    $2,361/ month
    $28,332 / year
    At O-4, this is #180 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA ZZ800 · ZIPs 04010 04016 04022 04037 04041 04051 +579 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,027 / mo gross
    Other dependency status here$2,793 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 800 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,827$1,446
    E-2$1,827$1,446
    E-3$1,827$1,446
    E-4$1,827$1,446
    E-5$1,962$1,599
    E-6$2,283$1,710
    E-7$2,364$1,830
    E-8$2,454$2,031
    E-9$2,589$2,121
    Warrant officer
    W-1$2,301$1,791
    W-2$2,400$2,028
    W-3$2,511$2,133
    W-4$2,619$2,295
    W-5$2,751$2,382
    Officer — prior enlisted
    O-1E$2,379$1,959
    O-2E$2,493$2,100
    O-3E$2,640$2,274
    Officer
    O-1$2,007$1,689
    O-2$2,280$1,920
    O-3$2,508$2,163
    O-4$2,793$2,361
    O-5$2,997$2,409
    O-6$3,021$2,490
    O-7$3,039$2,532
    PCS compareCounty Cost Group 800 · O-4 · $2,361/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▲ RAISE+$504+$6,048/yr · like +$7,754 of salary

    What this rate means

    O-4 without dependents, every station0 – $5,874 / month
    Westchester County$5,874
    San Francisco$5,481
    New York City$5,247
    Nantucket$5,244
    Maui County$5,088
    Northern New Jersey$5,055
    Santa Clara County$5,055
    Boston$4,941
    Long Island$4,878
    Martha's Vineyard$4,758
    Hanscom AFB$4,584
    Camp Pendleton$4,494
    San Diego$4,440
    Kauai County$4,416
    Florida Keys$4,374
    Staten Island$4,341
    Los Angeles$4,314
    Monterey$4,245
    West Point$4,215
    Oakland$4,203
    Fort Monmouth$4,173
    Cape Cod-Plymouth$4,155
    Perth Amboy$4,128
    Trenton$4,119
    Honolulu County$4,110
    Ventura$4,080
    Essex CO$4,053
    San Luis Obispo$4,047
    Miami$4,041
    Seattle$4,020
    Portsmouth$3,993
    Marin$3,939
    Burlington$3,918
    Hawaii County$3,867
    Washington$3,855
    Portland$3,843
    Manchester$3,801
    New Haven$3,759
    West Palm Beach$3,741
    Newport$3,717
    Chicago$3,699
    Fitchburg$3,699
    Vandenberg SFB$3,687
    Providence$3,669
    County Cost Group 890$3,633
    Riverside$3,597
    Worcester$3,528
    Santa Fe$3,522
    Vallejo$3,498
    Hartford$3,495
    Indian Head Navordsta$3,483
    Boulder$3,480
    Warrenton$3,480
    JB McGuire-Dix-Lakehurst$3,477
    Juneau$3,432
    Atlantic City$3,417
    Willow Grove$3,399
    San Bernardino$3,375
    Everett$3,366
    Fort G. G. Meade$3,321
    County Cost Group 880$3,306
    Annapolis$3,300
    Sitka$3,294
    Quantico$3,222
    Edwards AFB$3,189
    Ann Arbor$3,180
    New London$3,156
    Fort Detrick$3,129
    Beale AFB$3,126
    Cape May$3,108
    Denver$3,108
    County Cost Group 870$3,096
    Madison$3,096
    Hampden County$3,075
    Stockton$3,075
    Austin$3,054
    JB Elmendorf-Richardson$3,051
    Tampa$3,042
    Brunswick$3,036
    Ketchikan$3,036
    Ballston Spa$3,000
    Baltimore$2,994
    Fort Myers Beach$2,991
    Outer Banks$2,991
    JB Lewis-McChord$2,991
    Sacramento$2,988
    Philadelphia$2,976
    Kodiak Island$2,970
    Orlando$2,958
    Astoria$2,955
    Port Angeles$2,940
    County Cost Group 860$2,922
    Fort Pierce$2,916
    Traverse City$2,898
    Milwaukee$2,883
    Patrick SFB$2,883
    Bridgeport$2,880
    Whidbey Island$2,880
    Oxford$2,871
    Aberdeen Proving Grounds$2,865
    Eglin AFB$2,865
    Fresno$2,859
    Great Lakes Navtracen$2,853
    Portland$2,853
    Bremerton$2,847
    Allentown$2,841
    Charlottesville$2,838
    County Cost Group 850$2,838
    Abilene$2,820
    Minneapolis$2,820
    Beaufort$2,817
    Dallas$2,811
    Rome$2,784
    Corvallis$2,763
    Coastal Maine$2,757
    Dahlgren$2,757
    County Cost Group 840$2,745
    Knoxville$2,742
    Reno$2,715
    Atlanta$2,706
    Dover AFB$2,706
    Nashville$2,706
    St. Louis$2,685
    Savannah$2,676
    Richmond$2,670
    Asheville$2,667
    County Cost Group 830$2,667
    Spokane$2,658
    Detroit$2,649
    Charleston$2,646
    Twenty Nine Palms MCB$2,646
    Buffalo$2,631
    Fort Collins$2,631
    Patuxent River$2,622
    Fairbanks$2,619
    Helena$2,619
    Pittsburgh$2,604
    Norfolk$2,601
    Rochester$2,601
    Elizabeth City$2,589
    Eugene$2,583
    Houston$2,580
    County Cost Group 820$2,574
    Barstow$2,550
    Syracuse$2,547
    Cincinnati$2,544
    Wilmington$2,541
    Panama City$2,538
    Volusia County$2,538
    Birmingham$2,523
    Humboldt County$2,520
    Salem$2,514
    Dahlonega$2,511
    Salt Lake City$2,502
    Yakima$2,502
    College Station$2,499
    Grand Haven$2,499
    Fort Stewart$2,490
    Fort Carson$2,484
    Gainesville$2,481
    County Cost Group 810$2,472
    Omaha$2,454
    Phoenix$2,451
    Carlisle Barracks$2,439
    Chattanooga$2,436
    New Orleans$2,436
    Charlotte$2,433
    Durham$2,430
    Hampton$2,427
    Fort Worth$2,421
    Battle Creek$2,418
    Cleveland$2,418
    Myrtle Beach$2,415
    Grand Rapids$2,403
    Ocala$2,403
    Coos Bay$2,400
    Fargo$2,397
    State College$2,388
    Columbus$2,364
    County Cost Group 800$2,361
    El Centro$2,346
    Albuquerque$2,343
    Eastern Shore$2,337
    Provo$2,337
    Lemoore NAS$2,334
    Raleigh$2,334
    Duluth$2,331
    Eastern Panhandle$2,331
    Memphis$2,313
    Corpus Christi$2,310
    Louisville$2,310
    Boise$2,304
    Rapid City$2,304
    Cheyenne$2,298
    Des Moines$2,289
    Jackson$2,289
    County Cost Group 790$2,286
    Jacksonville$2,277
    Nellis AFB$2,265
    Ogden$2,265
    Bismarck$2,259
    Tallahassee$2,259
    Fort Campbell$2,250
    Rock Island$2,250
    Kings Bay$2,247
    Fort Knox$2,241
    Indianapolis$2,238
    Mountain Home AFB$2,232
    Pensacola$2,232
    Bangor$2,226
    Fort Leavenworth$2,226
    Kansas City$2,217
    County Cost Group 780$2,205
    Johnson City$2,202
    Waco$2,199
    Fort Huachuca$2,193
    Baton Rouge$2,190
    Wichita Fls$2,187
    Bloomington$2,184
    Morehead$2,184
    Fort Gordon$2,181
    Lincoln$2,166
    Lexington$2,160
    Toledo$2,160
    Fort Bliss$2,157
    Fayetteville$2,157
    Greensboro$2,157
    Roanoke$2,154
    Columbia$2,151
    Marquette$2,148
    Fort Wayne$2,145
    County Cost Group 770$2,139
    Davis-Monthan AFB$2,139
    Huntsville$2,127
    Greenville$2,118
    Fort Drum$2,115
    Mobile$2,112
    Shreveport$2,112
    Fort Bragg$2,088
    San Antonio (JBSA)$2,088
    Fort Hood$2,076
    Scott AFB$2,073
    Grand Forks$2,070
    County Cost Group 760$2,067
    Columbus AFB$2,061
    Auburn$2,055
    Seymour Johnson AFB$2,052
    Minot AFB$2,049
    Sioux Falls$2,046
    Whiteman AFB$2,046
    Lexington$2,040
    Champaign$2,028
    Lansing$2,028
    County Cost Group 750$2,019
    Fort Benning$1,998
    Tulsa$1,998
    Fallon NAS$1,992
    Robins AFB$1,992
    Camp Lejeune$1,989
    Malmstrom SFB$1,989
    Sumter$1,980
    White Sands MR$1,977
    Brownsville$1,974
    Goodfellow AFB$1,968
    County Cost Group 740$1,965
    Wilkes-Barre$1,953
    Morgantown$1,950
    Fort Rucker$1,941
    Moody AFB$1,941
    Wright-Patterson AFB$1,938
    Akron$1,935
    Frankfort$1,935
    Little Rock$1,935
    Topeka$1,935
    County Cost Group 730$1,932
    Paducah$1,929
    Sault Ste Marie$1,923
    Peoria$1,920
    Beaumont$1,917
    Yuma$1,914
    China Lake$1,911
    Lafayette$1,911
    County Cost Group 720$1,908
    Springfield$1,902
    Laughlin AFB$1,896
    Oklahoma City$1,890
    County Cost Group 710$1,887
    Springfield$1,884
    Terre Haute$1,884
    Holloman AFB$1,869
    Lubbock$1,869
    County Cost Group 700$1,866
    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
    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
    Gulfport$1,785
    County Cost Group 620$1,782
    Alexandria$1,779
    St Mary And Terrebonne$1,779
    Wichita$1,779
    County Cost Group 610$1,776
    Saginaw$1,773
    County Cost Group 600$1,767
    County Cost Group 590$1,755
    Lake Charles$1,755
    County Cost Group 580$1,743
    Erie$1,743
    County Cost Group 570$1,731
    County Cost Group 560$1,722
    County Cost Group 550$1,713
    Stevens Point$1,707
    Albany$1,704
    County Cost Group 540$1,704
    County Cost Group 530$1,698
    Meridian$1,698
    Cannon AFB$1,695
    County Cost Group 520$1,692
    County Cost Group 510$1,689
    Altus AFB$1,662
    Monroe$1,659
    Hattiesburg$1,647
    Vance AFB$1,623
    Fort Sill$1,587
    Anniston$1,557
    Youngstown$1,497

    County Cost Group 800 is #180 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 8000 – $2,532 / month
    E-1$1,446
    E-2$1,446
    E-3$1,446
    E-4$1,446
    E-5$1,599
    E-6$1,710
    E-7$1,830
    E-8$2,031
    E-9$2,121
    W-1$1,791
    W-2$2,028
    W-3$2,133
    W-4$2,295
    W-5$2,382
    O-1E$1,959
    O-2E$2,100
    O-3E$2,274
    O-1$1,689
    O-2$1,920
    O-3$2,163
    O-4$2,361
    O-5$2,409
    O-6$2,490
    O-7$2,532

    Promoting to O-5 here adds $48 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 800 to Westchester County at O-4 is worth $3,513 a month — about 73 promotions worth of housing allowance, at $48 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. $2,361 a month of BAH takes more than $2,361 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.