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 Davis-Monthan AFB draws $2,400 per month in 2026

    Permalinkbahratedesk.com/davis-monthan-afb-az/o-4/with/ExcelCSVDownloads cover this station.
    Davis-Monthan AFB, AZ
    O-4 · with dependents
    $2,400/ month
    $28,800 / year
    At O-4, this is #259 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA AZ015 · ZIPs 85321 85341 85601 85614 85619 85622 +63 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,077 / mo gross
    Other dependency status here$2,139 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Davis-Monthan AFB — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,695$1,272
    E-2$1,695$1,272
    E-3$1,695$1,272
    E-4$1,695$1,272
    E-5$1,905$1,428
    E-6$2,121$1,587
    E-7$2,145$1,701
    E-8$2,178$1,953
    E-9$2,253$2,007
    Warrant officer
    W-1$2,136$1,632
    W-2$2,157$1,950
    W-3$2,202$2,019
    W-4$2,274$2,118
    W-5$2,373$2,151
    Officer — prior enlisted
    O-1E$2,148$1,902
    O-2E$2,190$1,995
    O-3E$2,289$2,109
    Officer
    O-1$1,938$1,482
    O-2$2,118$1,839
    O-3$2,199$2,037
    O-4$2,400$2,139
    O-5$2,550$2,154
    O-6$2,568$2,175
    O-7$2,583$2,211
    PCS compareDavis-Monthan AFB · O-4 · $2,400/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$996+$11,952/yr · like +$15,323 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Lexington$2,421
    Paducah$2,415
    Akron$2,403
    County Cost Group 750$2,400
    Davis-Monthan AFB$2,400
    Columbia$2,391
    Bismarck$2,388
    Topeka$2,385
    Gulfport$2,379
    Youngstown$1,809

    Davis-Monthan AFB is #259 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 Davis-Monthan AFB0 – $2,583 / month
    E-1$1,695
    E-2$1,695
    E-3$1,695
    E-4$1,695
    E-5$1,905
    E-6$2,121
    E-7$2,145
    E-8$2,178
    E-9$2,253
    W-1$2,136
    W-2$2,157
    W-3$2,202
    W-4$2,274
    W-5$2,373
    O-1E$2,148
    O-2E$2,190
    O-3E$2,289
    O-1$1,938
    O-2$2,118
    O-3$2,199
    O-4$2,400
    O-5$2,550
    O-6$2,568
    O-7$2,583

    Promoting to O-5 here adds $150 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 Davis-Monthan AFB to Westchester County at O-4 is worth $5,070 a month — about 34 promotions worth of housing allowance, at $150 per grade here.

    02

    Dependency status is worth 12% 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. $2,400 a month of BAH takes more than $2,400 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.