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

$2,643 per month with dependents ($31,716 per year), effective 01 JAN 2026. Without dependents it is $2,337 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 Shore 2026 — $2,643 with dependents, $2,337 without

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

Eastern Shore, MD

O-4 · with dependents

$2,643/ month

$31,716 / year

At O-4, this is #204 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA MD432 · ZIPs 21801 21802 21803 21804 21810 21811 +91 more

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Untaxed — matching it with taxable pay takes$3,388 / mo gross

Without dependents here$2,337 / mo

In government quarters, no dependents$50.10 / mo partial

Eastern Shore — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,989	$1,602
E-2	$1,989	$1,602
E-3	$1,989	$1,602
E-4	$1,989	$1,602
E-5	$2,121	$1,761
E-6	$2,313	$1,866
E-7	$2,346	$1,992
E-8	$2,382	$2,166
E-9	$2,472	$2,214
Warrant officer
W-1	$2,331	$1,956
W-2	$2,358	$2,163
W-3	$2,409	$2,223
W-4	$2,496	$2,313
W-5	$2,610	$2,352
Officer — prior enlisted
O-1E	$2,349	$2,118
O-2E	$2,397	$2,202
O-3E	$2,514	$2,304
Officer
O-1	$2,151	$1,854
O-2	$2,310	$2,082
O-3	$2,406	$2,238
O-4	$2,643	$2,337
O-5	$2,820	$2,355
O-6	$2,841	$2,385
O-7	$2,859	$2,424

What this rate means

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

Westchester County$7,470

Johnson City$2,664

Mountain Home AFB$2,658

Fort Drum$2,655

Phoenix$2,646

Eastern Shore$2,643

Fayetteville$2,640

Fort Worth$2,640

Marquette$2,634

Rock Island$2,628

Youngstown$1,809

Eastern Shore is #204 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 Shore0 – $2,859 / month

E-1$1,989

E-2$1,989

E-3$1,989

E-4$1,989

E-5$2,121

E-6$2,313

E-7$2,346

E-8$2,382

E-9$2,472

W-1$2,331

W-2$2,358

W-3$2,409

W-4$2,496

W-5$2,610

O-1E$2,349

O-2E$2,397

O-3E$2,514

O-1$2,151

O-2$2,310

O-3$2,406

O-4$2,643

O-5$2,820

O-6$2,841

O-7$2,859

Promoting to O-5 here adds $177 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 Shore to Westchester County at O-4 is worth $4,827 a month — about 27 promotions worth of housing allowance, at $177 per grade here.

Dependency status is worth 13% 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. $2,643 a month of BAH takes more than $2,643 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 at Eastern Shore draws $2,643 per month with dependents in 2026, $2,337 without

What this rate means

Things the rate table doesn't tell you