What is O-4 BAH at Eastern Panhandle in 2026?

$2,796 per month with dependents ($33,552 per year), effective 01 JAN 2026. without dependents it is $2,331 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-4 BAH at Eastern Panhandle 2026 — $2,796/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Eastern Panhandle, WV

O-4 · with dependents

$2,796/ month

$33,552 / year

At O-4, this is #171 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA WV454 · ZIPs 25401 25402 25403 25404 25405 25410 +17 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,585 / mo gross

Other dependency status here$2,331 without dependents

In government quarters, no dependents$50.10 / mo partial

Eastern Panhandle — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,899	$1,587
E-2	$1,899	$1,587
E-3	$1,899	$1,587
E-4	$1,899	$1,587
E-5	$2,058	$1,677
E-6	$2,253	$1,752
E-7	$2,334	$1,902
E-8	$2,421	$2,103
E-9	$2,568	$2,151
Warrant officer
W-1	$2,271	$1,854
W-2	$2,370	$2,100
W-3	$2,481	$2,160
W-4	$2,598	$2,265
W-5	$2,748	$2,352
Officer — prior enlisted
O-1E	$2,346	$2,055
O-2E	$2,463	$2,139
O-3E	$2,622	$2,244
Officer
O-1	$2,091	$1,737
O-2	$2,250	$2,010
O-3	$2,478	$2,178
O-4	$2,796	$2,331
O-5	$3,027	$2,376
O-6	$3,051	$2,457
O-7	$3,072	$2,499

What this rate means

O-4 with dependents, nearest stations0 – $7,470 / month

Westchester County$7,470

New Orleans$2,847

Jackson$2,841

Hampton$2,835

Volusia County$2,826

Eastern Panhandle$2,796

Columbus$2,793

County Cost Group 800$2,793

Fort Campbell$2,793

Waco$2,793

Youngstown$1,809

Eastern Panhandle is #171 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 Eastern Panhandle0 – $3,072 / month

E-1$1,899

E-2$1,899

E-3$1,899

E-4$1,899

E-5$2,058

E-6$2,253

E-7$2,334

E-8$2,421

E-9$2,568

W-1$2,271

W-2$2,370

W-3$2,481

W-4$2,598

W-5$2,748

O-1E$2,346

O-2E$2,463

O-3E$2,622

O-1$2,091

O-2$2,250

O-3$2,478

O-4$2,796

O-5$3,027

O-6$3,051

O-7$3,072

Promoting to O-5 here adds $231 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Eastern Panhandle to Westchester County at O-4 is worth $4,674 a month — about 20 promotions worth of housing allowance, at $231 per grade here.

Dependency status is worth 20% 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.

None of it is taxed. $2,796 a month of BAH takes more than $2,796 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-4 with dependents at Eastern Panhandle draws $2,796 per month in 2026

What this rate means

Things the rate table doesn't tell you