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 Denver draws $3,426 per month in 2026

    Permalinkbahratedesk.com/denver-co/o-4/with/ExcelCSVDownloads cover this station.
    Denver, CO
    O-4 · with dependents
    $3,426/ month
    $41,112 / year
    At O-4, this is #87 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA CO045 · ZIPs 80001 80002 80003 80004 80005 80006 +144 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,392 / mo gross
    Other dependency status here$3,108 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Denver — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,556$1,938
    E-2$2,556$1,938
    E-3$2,556$1,938
    E-4$2,556$1,938
    E-5$2,841$2,148
    E-6$3,063$2,301
    E-7$3,114$2,568
    E-8$3,168$2,889
    E-9$3,267$2,946
    Warrant officer
    W-1$3,081$2,463
    W-2$3,135$2,886
    W-3$3,210$2,958
    W-4$3,288$3,066
    W-5$3,396$3,126
    Officer — prior enlisted
    O-1E$3,120$2,838
    O-2E$3,195$2,934
    O-3E$3,306$3,054
    Officer
    O-1$2,874$2,268
    O-2$3,060$2,748
    O-3$3,207$2,979
    O-4$3,426$3,108
    O-5$3,588$3,135
    O-6$3,615$3,186
    O-7$3,642$3,240
    PCS compareDenver · O-4 · $3,426/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$30−$360/yr · like −$462 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Baltimore$3,477
    Outer Banks$3,438
    Philadelphia$3,435
    County Cost Group 860$3,429
    Denver$3,426
    Portland$3,420
    Fort Pierce$3,408
    Aberdeen Proving Grounds$3,396
    Corvallis$3,387
    Youngstown$1,809

    Denver is #87 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 Denver0 – $3,642 / month
    E-1$2,556
    E-2$2,556
    E-3$2,556
    E-4$2,556
    E-5$2,841
    E-6$3,063
    E-7$3,114
    E-8$3,168
    E-9$3,267
    W-1$3,081
    W-2$3,135
    W-3$3,210
    W-4$3,288
    W-5$3,396
    O-1E$3,120
    O-2E$3,195
    O-3E$3,306
    O-1$2,874
    O-2$3,060
    O-3$3,207
    O-4$3,426
    O-5$3,588
    O-6$3,615
    O-7$3,642

    Promoting to O-5 here adds $162 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 Denver to Westchester County at O-4 is worth $4,044 a month — about 25 promotions worth of housing allowance, at $162 per grade here.

    02

    Dependency status is worth 10% 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. $3,426 a month of BAH takes more than $3,426 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.