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 Detroit draws $3,228 per month in 2026

    Permalinkbahratedesk.com/detroit-mi/o-4/with/ExcelCSVDownloads cover this station.
    Detroit, MI
    O-4 · with dependents
    $3,228/ month
    $38,736 / year
    At O-4, this is #109 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA MI142 · ZIPs 48005 48007 48009 48012 48015 48017 +215 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,138 / mo gross
    Other dependency status here$2,649 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Detroit — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,034$1,527
    E-2$2,034$1,527
    E-3$2,034$1,527
    E-4$2,034$1,527
    E-5$2,361$1,770
    E-6$2,583$1,935
    E-7$2,652$2,049
    E-8$2,730$2,412
    E-9$2,904$2,469
    Warrant officer
    W-1$2,601$1,950
    W-2$2,682$2,409
    W-3$2,781$2,478
    W-4$2,949$2,592
    W-5$3,159$2,667
    Officer — prior enlisted
    O-1E$2,664$2,358
    O-2E$2,763$2,454
    O-3E$2,982$2,574
    Officer
    O-1$2,397$1,797
    O-2$2,580$2,256
    O-3$2,778$2,499
    O-4$3,228$2,649
    O-5$3,555$2,688
    O-6$3,582$2,757
    O-7$3,609$2,805
    PCS compareDetroit · O-4 · $3,228/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$168+$2,016/yr · like +$2,585 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Tampa$3,255
    Traverse City$3,255
    Dahlgren$3,243
    Knoxville$3,243
    Detroit$3,228
    County Cost Group 840$3,225
    Fresno$3,213
    Fairbanks$3,210
    Allentown$3,207
    Youngstown$1,809

    Detroit is #109 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 Detroit0 – $3,609 / month
    E-1$2,034
    E-2$2,034
    E-3$2,034
    E-4$2,034
    E-5$2,361
    E-6$2,583
    E-7$2,652
    E-8$2,730
    E-9$2,904
    W-1$2,601
    W-2$2,682
    W-3$2,781
    W-4$2,949
    W-5$3,159
    O-1E$2,664
    O-2E$2,763
    O-3E$2,982
    O-1$2,397
    O-2$2,580
    O-3$2,778
    O-4$3,228
    O-5$3,555
    O-6$3,582
    O-7$3,609

    Promoting to O-5 here adds $327 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 Detroit to Westchester County at O-4 is worth $4,242 a month — about 13 promotions worth of housing allowance, at $327 per grade here.

    02

    Dependency status is worth 22% 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. $3,228 a month of BAH takes more than $3,228 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.