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 $3,033Without $2,574

    O-4 at County Cost Group 820 draws $3,033 per month with dependents in 2026, $2,574 without

    Permalinkbahratedesk.com/county-cost-group-820/o-4/ExcelCSVDownloads cover this station.
    County Cost Group 820
    O-4 · with dependents
    $3,033/ month
    $36,396 / year
    At O-4, this is #139 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA ZZ820 · ZIPs 19503 19504 19505 19506 19507 19508 +227 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,888 / mo gross
    Without dependents here$2,574 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 820 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,016$1,587
    E-2$2,016$1,587
    E-3$2,016$1,587
    E-4$2,016$1,587
    E-5$2,160$1,764
    E-6$2,490$1,881
    E-7$2,577$2,019
    E-8$2,670$2,232
    E-9$2,817$2,322
    Warrant officer
    W-1$2,508$1,977
    W-2$2,616$2,229
    W-3$2,733$2,337
    W-4$2,847$2,505
    W-5$2,988$2,598
    Officer — prior enlisted
    O-1E$2,592$2,157
    O-2E$2,715$2,301
    O-3E$2,868$2,481
    Officer
    O-1$2,208$1,866
    O-2$2,487$2,118
    O-3$2,730$2,367
    O-4$3,033$2,574
    O-5$3,255$2,625
    O-6$3,279$2,712
    O-7$3,303$2,757
    PCS compareCounty Cost Group 820 · O-4 · $3,033/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$363+$4,356/yr · like +$5,585 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Helena$3,039
    Houston$3,039
    Syracuse$3,039
    Savannah$3,036
    County Cost Group 820$3,033
    Gainesville$3,033
    Nashville$3,033
    Richmond$3,030
    Rochester$3,027
    Youngstown$1,809

    County Cost Group 820 is #139 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 8200 – $3,303 / month
    E-1$2,016
    E-2$2,016
    E-3$2,016
    E-4$2,016
    E-5$2,160
    E-6$2,490
    E-7$2,577
    E-8$2,670
    E-9$2,817
    W-1$2,508
    W-2$2,616
    W-3$2,733
    W-4$2,847
    W-5$2,988
    O-1E$2,592
    O-2E$2,715
    O-3E$2,868
    O-1$2,208
    O-2$2,487
    O-3$2,730
    O-4$3,033
    O-5$3,255
    O-6$3,279
    O-7$3,303

    Promoting to O-5 here adds $222 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 820 to Westchester County at O-4 is worth $4,437 a month — about 20 promotions worth of housing allowance, at $222 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. $3,033 a month of BAH takes more than $3,033 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.