What is E-4 BAH at County Cost Group 840 in 2026?

$2,166 per month with dependents ($25,992 per year), effective 01 JAN 2026. without dependents it is $1,701 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

E-4 BAH at County Cost Group 840 2026 — $2,166/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

County Cost Group 840

E-4 · with dependents

$2,166/ month

$25,992 / year

At E-4, this is #117 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134

MHA ZZ840 · ZIPs 23002 23005 23009 23011 23014 23015 +189 more

Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA

Untaxed — matching it with taxable pay takes$2,777 / mo gross

Other dependency status here$1,701 without dependents

In government quarters, no dependents$50.10 / mo partial

County Cost Group 840 — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,166	$1,701
E-2	$2,166	$1,701
E-3	$2,166	$1,701
E-4	$2,166	$1,701
E-5	$2,322	$1,896
E-6	$2,655	$2,022
E-7	$2,745	$2,169
E-8	$2,844	$2,394
E-9	$2,997	$2,487
Warrant officer
W-1	$2,673	$2,124
W-2	$2,787	$2,391
W-3	$2,910	$2,499
W-4	$3,030	$2,670
W-5	$3,180	$2,766
Officer — prior enlisted
O-1E	$2,760	$2,319
O-2E	$2,889	$2,463
O-3E	$3,051	$2,646
Officer
O-1	$2,367	$2,007
O-2	$2,652	$2,274
O-3	$2,907	$2,532
O-4	$3,225	$2,745
O-5	$3,459	$2,796
O-6	$3,486	$2,886
O-7	$3,510	$2,937

What this rate means

E-4 with dependents, nearest stations0 – $5,067 / month

New York City$5,067

Portland$2,193

Fort Stewart$2,175

Fresno$2,175

Reno$2,169

County Cost Group 840$2,166

Fort Carson$2,160

Dover AFB$2,160

Richmond$2,157

Port Angeles$2,145

Youngstown$1,134

County Cost Group 840 is #117 of 338. The spread between the dearest and cheapest station at this grade is $3,933 a month — $47,196 a year, untaxed.

Every pay grade at County Cost Group 8400 – $3,510 / month

E-1$2,166

E-2$2,166

E-3$2,166

E-4$2,166

E-5$2,322

E-6$2,655

E-7$2,745

E-8$2,844

E-9$2,997

W-1$2,673

W-2$2,787

W-3$2,910

W-4$3,030

W-5$3,180

O-1E$2,760

O-2E$2,889

O-3E$3,051

O-1$2,367

O-2$2,652

O-3$2,907

O-4$3,225

O-5$3,459

O-6$3,486

O-7$3,510

Promoting to E-5 here adds $156 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from County Cost Group 840 to New York City at E-4 is worth $2,901 a month — about 19 promotions worth of housing allowance, at $156 per grade here.

Dependency status is worth 27% 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.

None of it is taxed. $2,166 a month of BAH takes more than $2,166 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

E-4 with dependents at County Cost Group 840 draws $2,166 per month in 2026

What this rate means

Things the rate table doesn't tell you