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 $2,061Without $1,764

    E-4 at Fort Collins draws $2,061 per month with dependents in 2026, $1,764 without

    Permalinkbahratedesk.com/fort-collins-co/e-4/ExcelCSVDownloads cover this station.
    Fort Collins, CO
    E-4 · with dependents
    $2,061/ month
    $24,732 / year
    At E-4, this is #132 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA CO047 · ZIPs 80511 80512 80513 80514 80515 80516 +56 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$2,642 / mo gross
    Without dependents here$1,764 / mo
    In government quarters, no dependents$50.10 / mo partial
    Fort Collins — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,061$1,764
    E-2$2,061$1,764
    E-3$2,061$1,764
    E-4$2,061$1,764
    E-5$2,268$1,812
    E-6$2,532$1,896
    E-7$2,631$2,067
    E-8$2,739$2,325
    E-9$2,865$2,397
    Warrant officer
    W-1$2,550$1,998
    W-2$2,673$2,322
    W-3$2,808$2,409
    W-4$2,886$2,550
    W-5$2,985$2,655
    Officer — prior enlisted
    O-1E$2,649$2,265
    O-2E$2,787$2,379
    O-3E$2,901$2,523
    Officer
    O-1$2,307$1,851
    O-2$2,529$2,202
    O-3$2,805$2,433
    O-4$3,012$2,631
    O-5$3,165$2,688
    O-6$3,189$2,787
    O-7$3,210$2,835
    PCS compareFort Collins · E-4 · $2,061/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▲ RAISE+$207+$2,484/yr · like +$3,185 of salary

    What this rate means

    E-4 with dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    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
    Youngstown$1,134

    Fort Collins is #132 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 Fort Collins0 – $3,210 / month
    E-1$2,061
    E-2$2,061
    E-3$2,061
    E-4$2,061
    E-5$2,268
    E-6$2,532
    E-7$2,631
    E-8$2,739
    E-9$2,865
    W-1$2,550
    W-2$2,673
    W-3$2,808
    W-4$2,886
    W-5$2,985
    O-1E$2,649
    O-2E$2,787
    O-3E$2,901
    O-1$2,307
    O-2$2,529
    O-3$2,805
    O-4$3,012
    O-5$3,165
    O-6$3,189
    O-7$3,210

    Promoting to E-5 here adds $207 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 Collins to New York City at E-4 is worth $3,006 a month — about 15 promotions worth of housing allowance, at $207 per grade here.

    02

    Dependency status is worth 17% 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. $2,061 a month of BAH takes more than $2,061 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.