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
    With $2,706Without $2,289

    O-4 at Des Moines draws $2,706 per month with dependents in 2026, $2,289 without

    Permalinkbahratedesk.com/des-moines-ia/o-4/ExcelCSVDownloads cover this station.
    Des Moines, IA
    O-4 · with dependents
    $2,706/ month
    $32,472 / year
    At O-4, this is #191 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA IA082 · ZIPs 50007 50009 50021 50023 50032 50035 +70 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,469 / mo gross
    Without dependents here$2,289 / mo
    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 · O-4 · $2,706/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$690+$8,280/yr · like +$10,615 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Auburn$2,718
    Ocala$2,718
    Cheyenne$2,715
    County Cost Group 790$2,706
    Des Moines$2,706
    Kings Bay$2,706
    Birmingham$2,703
    Morehead$2,697
    Rapid City$2,691
    Youngstown$1,809

    Des Moines is #191 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 Des Moines0 – $2,943 / month
    E-1$1,593
    E-2$1,593
    E-3$1,593
    E-4$1,593
    E-5$1,770
    E-6$2,208
    E-7$2,292
    E-8$2,379
    E-9$2,511
    W-1$2,229
    W-2$2,328
    W-3$2,436
    W-4$2,538
    W-5$2,667
    O-1E$2,304
    O-2E$2,418
    O-3E$2,559
    O-1$1,830
    O-2$2,205
    O-3$2,433
    O-4$2,706
    O-5$2,904
    O-6$2,925
    O-7$2,943

    Promoting to O-5 here adds $198 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 Westchester County at O-4 is worth $4,764 a month — about 24 promotions worth of housing allowance, at $198 per grade here.

    02

    Dependency status is worth 18% 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. $2,706 a month of BAH takes more than $2,706 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.