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

$2,577 per month with dependents ($30,924 per year), effective 01 JAN 2026. Without dependents it is $2,076 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 Hood 2026 — $2,577 with dependents, $2,076 without

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

Fort Hood, TX

O-4 · with dependents

$2,577/ month

$30,924 / year

At O-4, this is #218 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA TX286 · ZIPs 76501 76502 76503 76504 76508 76511 +32 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,304 / mo gross

Without dependents here$2,076 / mo

In government quarters, no dependents$50.10 / mo partial

MHA

Renamed back from Fort Cavazos for 2026. If your orders say Cavazos, this is the same MHA.

Fort Hood — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,662	$1,374
E-2	$1,662	$1,374
E-3	$1,662	$1,374
E-4	$1,662	$1,374
E-5	$1,695	$1,530
E-6	$1,920	$1,626
E-7	$2,070	$1,668
E-8	$2,238	$1,746
E-9	$2,409	$1,806
Warrant officer
W-1	$1,938	$1,665
W-2	$2,139	$1,743
W-3	$2,346	$1,812
W-4	$2,433	$1,950
W-5	$2,544	$2,109
Officer — prior enlisted
O-1E	$2,100	$1,692
O-2E	$2,313	$1,788
O-3E	$2,451	$1,908
Officer
O-1	$1,731	$1,623
O-2	$1,917	$1,689
O-3	$2,340	$1,833
O-4	$2,577	$2,076
O-5	$2,748	$2,169
O-6	$2,769	$2,325
O-7	$2,787	$2,361

What this rate means

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

Westchester County$7,470

Boise$2,598

Raleigh$2,589

Roanoke$2,583

Jacksonville$2,580

Fort Hood$2,577

Lexington$2,571

Ogden$2,565

Shreveport$2,562

Fort Gordon$2,559

Youngstown$1,809

Fort Hood is #218 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 Hood0 – $2,787 / month

E-1$1,662

E-2$1,662

E-3$1,662

E-4$1,662

E-5$1,695

E-6$1,920

E-7$2,070

E-8$2,238

E-9$2,409

W-1$1,938

W-2$2,139

W-3$2,346

W-4$2,433

W-5$2,544

O-1E$2,100

O-2E$2,313

O-3E$2,451

O-1$1,731

O-2$1,917

O-3$2,340

O-4$2,577

O-5$2,748

O-6$2,769

O-7$2,787

Promoting to O-5 here adds $171 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 Hood to Westchester County at O-4 is worth $4,893 a month — about 29 promotions worth of housing allowance, at $171 per grade here.

Dependency status is worth 24% 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. $2,577 a month of BAH takes more than $2,577 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 Fort Hood draws $2,577 per month with dependents in 2026, $2,076 without

What this rate means

Things the rate table doesn't tell you