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
    With $2,295Without $1,998

    O-4 at Fort Benning draws $2,295 per month with dependents in 2026, $1,998 without

    Permalinkbahratedesk.com/fort-benning/o-4/ExcelCSVDownloads cover this station.
    Fort Benning, GA
    O-4 · with dependents
    $2,295/ month
    $27,540 / year
    At O-4, this is #285 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA GA075 · ZIPs 31804 31805 31807 31808 31811 31814 +34 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,942 / mo gross
    Without dependents here$1,998 / mo
    In government quarters, no dependents$50.10 / mo partial
    MHA

    Renamed back from Fort Moore for 2026. Orders from 2023–25 may still say Moore.

    Fort Benning — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,635$1,362
    E-2$1,635$1,362
    E-3$1,635$1,362
    E-4$1,635$1,362
    E-5$1,716$1,482
    E-6$1,977$1,557
    E-7$2,004$1,635
    E-8$2,037$1,773
    E-9$2,121$1,842
    Warrant officer
    W-1$1,995$1,623
    W-2$2,016$1,770
    W-3$2,061$1,854
    W-4$2,148$1,977
    W-5$2,262$2,010
    Officer — prior enlisted
    O-1E$2,007$1,713
    O-2E$2,049$1,827
    O-3E$2,166$1,968
    Officer
    O-1$1,755$1,554
    O-2$1,974$1,692
    O-3$2,058$1,878
    O-4$2,295$1,998
    O-5$2,469$2,013
    O-6$2,487$2,034
    O-7$2,502$2,067
    PCS compareFort Benning · O-4 · $2,295/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,101+$13,212/yr · like +$16,938 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    San Antonio (JBSA)$2,307
    County Cost Group 730$2,304
    Lafayette$2,298
    Montgomery$2,298
    Fort Benning$2,295
    Beaumont$2,289
    Peoria$2,283
    Yuma$2,283
    County Cost Group 720$2,277
    Youngstown$1,809

    Fort Benning is #285 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 Fort Benning0 – $2,502 / month
    E-1$1,635
    E-2$1,635
    E-3$1,635
    E-4$1,635
    E-5$1,716
    E-6$1,977
    E-7$2,004
    E-8$2,037
    E-9$2,121
    W-1$1,995
    W-2$2,016
    W-3$2,061
    W-4$2,148
    W-5$2,262
    O-1E$2,007
    O-2E$2,049
    O-3E$2,166
    O-1$1,755
    O-2$1,974
    O-3$2,058
    O-4$2,295
    O-5$2,469
    O-6$2,487
    O-7$2,502

    Promoting to O-5 here adds $174 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 Fort Benning to Westchester County at O-4 is worth $5,175 a month — about 30 promotions worth of housing allowance, at $174 per grade here.

    02

    Dependency status is worth 15% 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. $2,295 a month of BAH takes more than $2,295 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.