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

    E-4 without dependents at Des Moines draws $1,284 per month in 2026

    Permalinkbahratedesk.com/des-moines-ia/e-4/without/ExcelCSVDownloads cover this station.
    Des Moines, IA
    E-4 · without dependents
    $1,284/ month
    $15,408 / year
    At E-4, this is #237 of 338 stations loaded · high New York City $4,833 · low Fort Chaffee $879
    MHA IA082 · ZIPs 50007 50009 50021 50023 50032 50035 +70 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$1,646 / mo gross
    Other dependency status here$1,593 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Des Moines — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,593$1,284
    E-2$1,593$1,284
    E-3$1,593$1,284
    E-4$1,593$1,284
    E-5$1,770$1,359
    E-6$2,208$1,656
    E-7$2,292$1,719
    E-8$2,379$1,863
    E-9$2,511$1,989
    Warrant officer
    W-1$2,229$1,674
    W-2$2,328$1,860
    W-3$2,436$2,007
    W-4$2,538$2,223
    W-5$2,667$2,310
    Officer — prior enlisted
    O-1E$2,304$1,767
    O-2E$2,418$1,962
    O-3E$2,559$2,202
    Officer
    O-1$1,830$1,413
    O-2$2,205$1,722
    O-3$2,433$2,049
    O-4$2,706$2,289
    O-5$2,904$2,334
    O-6$2,925$2,415
    O-7$2,943$2,454
    PCS compareDes Moines · E-4 · $1,284/mo
    Aberdeen Proving Grounds$1,875/mo · $22,500/yr
    ▲ RAISE+$591+$7,092/yr · like +$9,092 of salary

    What this rate means

    E-4 without dependents, nearest stations0 – $4,833 / month
    New York City$4,833
    Bangor$1,296
    County Cost Group 770$1,296
    Fallon NAS$1,287
    Fort Leonard Wood$1,287
    Des Moines$1,284
    Huntsville$1,284
    Lexington$1,284
    Shreveport$1,281
    Corpus Christi$1,278
    Fort Chaffee$879

    Des Moines is #237 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

    Every pay grade at Des Moines0 – $2,454 / month
    E-1$1,284
    E-2$1,284
    E-3$1,284
    E-4$1,284
    E-5$1,359
    E-6$1,656
    E-7$1,719
    E-8$1,863
    E-9$1,989
    W-1$1,674
    W-2$1,860
    W-3$2,007
    W-4$2,223
    W-5$2,310
    O-1E$1,767
    O-2E$1,962
    O-3E$2,202
    O-1$1,413
    O-2$1,722
    O-3$2,049
    O-4$2,289
    O-5$2,334
    O-6$2,415
    O-7$2,454

    Promoting to E-5 here adds $75 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 Des Moines to New York City at E-4 is worth $3,549 a month — about 47 promotions worth of housing allowance, at $75 per grade here.

    02

    Dependency status is worth 24% 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. $1,284 a month of BAH takes more than $1,284 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.