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 870 draws $3,096 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-870/o-4/without/ExcelCSVDownloads cover this station.
    County Cost Group 870
    O-4 · without dependents
    $3,096/ month
    $37,152 / year
    At O-4, this is #72 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA ZZ870 · ZIPs 03215 03217 03222 03223 03238 03240 +232 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,969 / mo gross
    Other dependency status here$3,627 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 870 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,478$1,938
    E-2$2,478$1,938
    E-3$2,478$1,938
    E-4$2,478$1,938
    E-5$2,652$2,172
    E-6$2,997$2,319
    E-7$3,096$2,484
    E-8$3,204$2,727
    E-9$3,372$2,823
    Warrant officer
    W-1$3,018$2,430
    W-2$3,141$2,724
    W-3$3,273$2,838
    W-4$3,408$3,015
    W-5$3,573$3,120
    Officer — prior enlisted
    O-1E$3,114$2,649
    O-2E$3,252$2,802
    O-3E$3,432$2,991
    Officer
    O-1$2,700$2,301
    O-2$2,994$2,598
    O-3$3,270$2,871
    O-4$3,627$3,096
    O-5$3,882$3,153
    O-6$3,915$3,252
    O-7$3,945$3,309
    PCS compareCounty Cost Group 870 · O-4 · $3,096/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▼ CUT−$231−$2,772/yr · like −$3,554 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    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
    Youngstown$1,497

    County Cost Group 870 is #72 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 8700 – $3,309 / month
    E-1$1,938
    E-2$1,938
    E-3$1,938
    E-4$1,938
    E-5$2,172
    E-6$2,319
    E-7$2,484
    E-8$2,727
    E-9$2,823
    W-1$2,430
    W-2$2,724
    W-3$2,838
    W-4$3,015
    W-5$3,120
    O-1E$2,649
    O-2E$2,802
    O-3E$2,991
    O-1$2,301
    O-2$2,598
    O-3$2,871
    O-4$3,096
    O-5$3,153
    O-6$3,252
    O-7$3,309

    Promoting to O-5 here adds $57 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 870 to Westchester County at O-4 is worth $2,778 a month — about 49 promotions worth of housing allowance, at $57 per grade here.

    02

    Dependency status is worth 17% 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. $3,096 a month of BAH takes more than $3,096 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.