What is O-4 BAH at Fargo in 2026?

$2,739 per month with dependents ($32,868 per year), effective 01 JAN 2026. Without dependents it is $2,397 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 Fargo 2026 — $2,739 with dependents, $2,397 without

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

Fargo, ND

O-4 · with dependents

$2,739/ month

$32,868 / year

At O-4, this is #182 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA ND189 · ZIPs 56514 56525 56529 56536 56546 56547 +42 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,512 / mo gross

Without dependents here$2,397 / mo

In government quarters, no dependents$50.10 / mo partial

Fargo — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,521	$1,206
E-2	$1,521	$1,206
E-3	$1,521	$1,206
E-4	$1,521	$1,206
E-5	$1,707	$1,281
E-6	$2,337	$1,752
E-7	$2,400	$1,800
E-8	$2,466	$1,851
E-9	$2,574	$2,022
Warrant officer
W-1	$2,358	$1,770
W-2	$2,427	$1,833
W-3	$2,514	$2,046
W-4	$2,598	$2,346
W-5	$2,706	$2,415
Officer — prior enlisted
O-1E	$2,409	$1,806
O-2E	$2,499	$1,980
O-3E	$2,613	$2,331
Officer
O-1	$1,785	$1,338
O-2	$2,328	$1,803
O-3	$2,511	$2,106
O-4	$2,739	$2,397
O-5	$2,904	$2,430
O-6	$2,925	$2,490
O-7	$2,946	$2,532

What this rate means

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

Westchester County$7,470

Fort Carson$2,778

Grand Haven$2,760

Corpus Christi$2,757

Provo$2,745

Fargo$2,739

Dahlonega$2,736

Grand Rapids$2,730

Louisville$2,730

Fort Knox$2,724

Youngstown$1,809

Fargo is #182 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 Fargo0 – $2,946 / month

E-1$1,521

E-2$1,521

E-3$1,521

E-4$1,521

E-5$1,707

E-6$2,337

E-7$2,400

E-8$2,466

E-9$2,574

W-1$2,358

W-2$2,427

W-3$2,514

W-4$2,598

W-5$2,706

O-1E$2,409

O-2E$2,499

O-3E$2,613

O-1$1,785

O-2$2,328

O-3$2,511

O-4$2,739

O-5$2,904

O-6$2,925

O-7$2,946

Promoting to O-5 here adds $165 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 Fargo to Westchester County at O-4 is worth $4,731 a month — about 29 promotions worth of housing allowance, at $165 per grade here.

Dependency status is worth 14% 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. $2,739 a month of BAH takes more than $2,739 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 Fargo draws $2,739 per month with dependents in 2026, $2,397 without

What this rate means

Things the rate table doesn't tell you