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 with dependents at Essex CO draws $3,282 per month in 2026

    Permalinkbahratedesk.com/essex-co-ma/e-4/with/ExcelCSVDownloads cover this station.
    Essex CO, MA
    E-4 · with dependents
    $3,282/ month
    $39,384 / year
    At E-4, this is #26 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA MA125 · ZIPs 01810 01812 01830 01831 01832 01833 +33 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$4,208 / mo gross
    Other dependency status here$2,589 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Essex CO — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,282$2,589
    E-2$3,282$2,589
    E-3$3,282$2,589
    E-4$3,282$2,589
    E-5$3,477$2,910
    E-6$3,744$3,102
    E-7$4,032$3,288
    E-8$4,344$3,537
    E-9$4,755$3,606
    Warrant officer
    W-1$3,765$3,225
    W-2$4,158$3,534
    W-3$4,545$3,618
    W-4$4,833$3,807
    W-5$5,181$4,101
    Officer — prior enlisted
    O-1E$4,089$3,474
    O-2E$4,488$3,591
    O-3E$4,887$3,735
    Officer
    O-1$3,516$3,084
    O-2$3,741$3,417
    O-3$4,533$3,642
    O-4$5,301$4,053
    O-5$5,853$4,389
    O-6$5,904$4,524
    O-7$5,952$4,605
    PCS compareEssex CO · E-4 · $3,282/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▼ CUT−$1,014−$12,168/yr · like −$15,600 of salary

    What this rate means

    E-4 with dependents, every station0 – $5,067 / month
    New York City$5,067
    San Francisco$4,764
    Santa Clara County$4,356
    Boston$4,344
    Northern New Jersey$4,275
    Nantucket$4,218
    Westchester County$4,182
    Long Island$4,122
    Hanscom AFB$3,984
    Maui County$3,819
    Florida Keys$3,813
    Cape Cod-Plymouth$3,696
    San Diego$3,666
    Martha's Vineyard$3,663
    Camp Pendleton$3,627
    Kauai County$3,588
    Los Angeles$3,570
    Staten Island$3,549
    Oakland$3,471
    Miami$3,459
    Hawaii County$3,447
    Ventura$3,378
    Fort Monmouth$3,357
    Perth Amboy$3,339
    Honolulu County$3,333
    Essex CO$3,282
    West Point$3,258
    Marin$3,252
    Monterey$3,249
    Trenton$3,210
    Indian Head Navordsta$3,192
    West Palm Beach$3,189
    Chicago$3,174
    Vandenberg SFB$3,156
    Portsmouth$3,099
    Riverside$3,096
    Washington$3,096
    Vallejo$3,090
    Portland$3,087
    Providence$3,045
    San Luis Obispo$3,027
    Fitchburg$3,024
    Manchester$2,994
    Seattle$2,976
    San Bernardino$2,958
    County Cost Group 890$2,955
    New Haven$2,955
    Warrenton$2,868
    Burlington$2,847
    Worcester$2,787
    Annapolis$2,757
    Fort G. G. Meade$2,739
    Beale AFB$2,733
    Quantico$2,730
    Willow Grove$2,730
    JB McGuire-Dix-Lakehurst$2,715
    Newport$2,685
    County Cost Group 880$2,664
    Hartford$2,652
    Ketchikan$2,646
    Santa Fe$2,637
    Sacramento$2,598
    Juneau$2,580
    Everett$2,568
    Boulder$2,565
    Atlantic City$2,559
    Denver$2,556
    Fort Myers Beach$2,553
    Cape May$2,523
    Tampa$2,520
    Fort Pierce$2,499
    County Cost Group 870$2,478
    Edwards AFB$2,475
    Fort Detrick$2,466
    Outer Banks$2,460
    Orlando$2,454
    Philadelphia$2,448
    Stockton$2,445
    Kodiak Island$2,436
    New London$2,412
    Baltimore$2,409
    Madison$2,394
    Ballston Spa$2,388
    JB Lewis-McChord$2,370
    Milwaukee$2,367
    Sitka$2,355
    Eglin AFB$2,340
    County Cost Group 860$2,325
    Patrick SFB$2,325
    Beaufort$2,319
    Dahlgren$2,307
    Elizabeth City$2,304
    Ann Arbor$2,292
    JB Elmendorf-Richardson$2,277
    Oxford$2,271
    Aberdeen Proving Grounds$2,268
    Hampden County$2,268
    Patuxent River$2,268
    St. Louis$2,268
    Bremerton$2,265
    Allentown$2,259
    Atlanta$2,259
    Charlottesville$2,259
    Minneapolis$2,250
    County Cost Group 850$2,247
    Savannah$2,235
    Norfolk$2,229
    Birmingham$2,223
    Charleston$2,220
    Dallas$2,220
    Ocala$2,205
    Great Lakes Navtracen$2,202
    Portland$2,193
    Fort Stewart$2,175
    Fresno$2,175
    Reno$2,169
    County Cost Group 840$2,166
    Fort Carson$2,160
    Dover AFB$2,160
    Richmond$2,157
    Port Angeles$2,145
    Corvallis$2,139
    Dahlonega$2,130
    Brunswick$2,124
    Nashville$2,112
    Volusia County$2,112
    Fairbanks$2,106
    County Cost Group 830$2,097
    Bridgeport$2,082
    Hampton$2,082
    Pittsburgh$2,067
    Fort Collins$2,061
    Phoenix$2,061
    Knoxville$2,058
    Panama City$2,058
    Buffalo$2,055
    Asheville$2,052
    Coastal Maine$2,052
    Austin$2,046
    Eugene$2,046
    Jacksonville$2,046
    Traverse City$2,037
    Detroit$2,034
    Cincinnati$2,031
    County Cost Group 820$2,016
    Kings Bay$2,016
    Whidbey Island$2,013
    Charlotte$2,004
    Grand Haven$2,004
    Durham$1,995
    Albuquerque$1,992
    Memphis$1,992
    Eastern Shore$1,989
    Myrtle Beach$1,989
    Gainesville$1,986
    Houston$1,974
    Grand Rapids$1,950
    Raleigh$1,947
    Spokane$1,947
    Lemoore NAS$1,944
    Salt Lake City$1,944
    Nellis AFB$1,941
    Rochester$1,941
    Fort Worth$1,938
    Ogden$1,932
    Wilmington$1,932
    Provo$1,929
    Rome$1,929
    County Cost Group 810$1,923
    Duluth$1,917
    Astoria$1,914
    El Centro$1,905
    Carlisle Barracks$1,902
    Eastern Panhandle$1,899
    Twenty Nine Palms MCB$1,896
    Barstow$1,890
    Omaha$1,887
    Salem$1,872
    Syracuse$1,872
    Chattanooga$1,863
    Kansas City$1,845
    Boise$1,842
    County Cost Group 800$1,827
    Jackson$1,818
    Columbia$1,812
    Fort Gordon$1,809
    Louisville$1,809
    Morehead$1,806
    Rapid City$1,800
    Pensacola$1,794
    Cleveland$1,791
    Greenville$1,785
    Columbus$1,782
    Fort Wayne$1,782
    New Orleans$1,779
    Tallahassee$1,779
    Humboldt County$1,764
    Abilene$1,761
    Baton Rouge$1,761
    County Cost Group 790$1,761
    Little Rock$1,758
    Toledo$1,758
    Bloomington$1,755
    Helena$1,752
    Indianapolis$1,749
    Fort Campbell$1,743
    Roanoke$1,743
    Fort Leavenworth$1,740
    Mobile$1,731
    Yakima$1,731
    Bangor$1,728
    San Antonio (JBSA)$1,728
    Fort Bragg$1,722
    Rock Island$1,722
    Lexington$1,713
    Shreveport$1,701
    Battle Creek$1,698
    Davis-Monthan AFB$1,695
    Robins AFB$1,692
    County Cost Group 780$1,689
    Greensboro$1,680
    Wilkes-Barre$1,677
    Huntsville$1,668
    Fort Bliss$1,665
    College Station$1,662
    Fayetteville$1,662
    Fort Hood$1,662
    State College$1,656
    Corpus Christi$1,644
    Lincoln$1,641
    Coos Bay$1,635
    Fort Benning$1,635
    County Cost Group 770$1,632
    Marquette$1,626
    Auburn$1,617
    Waco$1,617
    Lansing$1,611
    Montgomery$1,605
    Des Moines$1,593
    Camp Lejeune$1,578
    Fallon NAS$1,578
    Fort Knox$1,575
    Fort Drum$1,569
    Fort Huachuca$1,569
    County Cost Group 760$1,566
    Mountain Home AFB$1,563
    Yuma$1,551
    Oklahoma City$1,542
    Tulsa$1,542
    Cheyenne$1,539
    Malmstrom SFB$1,539
    Akron$1,536
    Scott AFB$1,536
    Wright-Patterson AFB$1,533
    St Mary And Terrebonne$1,527
    China Lake$1,524
    County Cost Group 750$1,521
    Fargo$1,521
    Grand Forks$1,518
    Gulfport$1,509
    Peoria$1,506
    Moody AFB$1,503
    Topeka$1,503
    White Sands MR$1,503
    Bismarck$1,500
    Seymour Johnson AFB$1,500
    Beaumont$1,488
    County Cost Group 740$1,476
    Champaign$1,467
    Johnson City$1,467
    Goodfellow AFB$1,455
    Erie$1,452
    Lafayette$1,449
    Whiteman AFB$1,449
    County Cost Group 730$1,446
    Fort Rucker$1,440
    Morgantown$1,440
    Sumter$1,440
    Lexington$1,437
    Minot AFB$1,428
    Sioux Falls$1,428
    County Cost Group 720$1,425
    Holloman AFB$1,419
    Lubbock$1,416
    Brownsville$1,413
    County Cost Group 710$1,404
    Huntington$1,404
    Terre Haute$1,401
    Wichita Fls$1,392
    County Cost Group 700$1,389
    Fort Leonard Wood$1,386
    Sault Ste Marie$1,386
    Sparta$1,380
    County Cost Group 690$1,374
    Laughlin AFB$1,371
    County Cost Group 680$1,365
    County Cost Group 670$1,356
    Springfield$1,356
    County Cost Group 660$1,344
    County Cost Group 650$1,335
    County Cost Group 640$1,329
    Saginaw$1,329
    Albany$1,326
    County Cost Group 630$1,320
    Wichita$1,320
    Hattiesburg$1,317
    County Cost Group 620$1,314
    Charleston$1,308
    County Cost Group 610$1,308
    Columbus AFB$1,302
    County Cost Group 600$1,302
    Paducah$1,293
    Springfield$1,293
    County Cost Group 590$1,290
    Frankfort$1,287
    Lake Charles$1,287
    Stevens Point$1,287
    Columbia$1,284
    County Cost Group 580$1,278
    Fort Riley$1,272
    County Cost Group 570$1,269
    Cannon AFB$1,260
    County Cost Group 560$1,260
    Alexandria$1,254
    County Cost Group 550$1,251
    County Cost Group 540$1,242
    County Cost Group 530$1,239
    County Cost Group 520$1,233
    County Cost Group 510$1,230
    Fort Polk$1,206
    Fort Sill$1,203
    Meridian$1,194
    Anniston$1,176
    Altus AFB$1,173
    Fort Chaffee$1,173
    Vance AFB$1,155
    Monroe$1,143
    Youngstown$1,134

    Essex CO is #26 of 338. The spread between the dearest and cheapest station at this grade is $3,933 a month — $47,196 a year, untaxed.

    Every pay grade at Essex CO0 – $5,952 / month
    E-1$3,282
    E-2$3,282
    E-3$3,282
    E-4$3,282
    E-5$3,477
    E-6$3,744
    E-7$4,032
    E-8$4,344
    E-9$4,755
    W-1$3,765
    W-2$4,158
    W-3$4,545
    W-4$4,833
    W-5$5,181
    O-1E$4,089
    O-2E$4,488
    O-3E$4,887
    O-1$3,516
    O-2$3,741
    O-3$4,533
    O-4$5,301
    O-5$5,853
    O-6$5,904
    O-7$5,952

    Promoting to E-5 here adds $195 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 Essex CO to New York City at E-4 is worth $1,785 a month — about 9 promotions worth of housing allowance, at $195 per grade here.

    02

    Dependency status is worth 27% 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. $3,282 a month of BAH takes more than $3,282 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.