What is O-4 BAH at Fort Collins in 2026?

$3,012 per month with dependents ($36,144 per year), effective 01 JAN 2026. without dependents it is $2,631 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 Fort Collins 2026 — $3,012/mo with dependents

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

Fort Collins, CO

O-4 · with dependents

$3,012/ month

$36,144 / year

At O-4, this is #146 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA CO047 · ZIPs 80511 80512 80513 80514 80515 80516 +56 more

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Untaxed — matching it with taxable pay takes$3,862 / mo gross

Other dependency status here$2,631 without dependents

In government quarters, no dependents$50.10 / mo partial

Fort Collins — full sheetTap a row

Grade	With 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

What this rate means

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

Westchester County$7,470

Richmond$3,030

Rochester$3,027

Wilmington$3,018

Yakima$3,015

Fort Collins$3,012

Elizabeth City$3,009

Salem$3,009

Barstow$2,976

Omaha$2,967

Youngstown$1,809

Fort Collins is #146 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 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 O-5 here adds $153 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 Fort Collins to Westchester County at O-4 is worth $4,458 a month — about 29 promotions worth of housing allowance, at $153 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. $3,012 a month of BAH takes more than $3,012 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 with dependents at Fort Collins draws $3,012 per month in 2026

What this rate means

Things the rate table doesn't tell you