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
    WithWithout

    O-4 with dependents at Fort Huachuca draws $2,364 per month in 2026

    Permalinkbahratedesk.com/fort-huachuca-az/o-4/with/ExcelCSVDownloads cover this station.
    Fort Huachuca, AZ
    O-4 · with dependents
    $2,364/ month
    $28,368 / year
    At O-4, this is #268 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA AZ014 · ZIPs 85602 85603 85605 85606 85607 85608 +20 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,031 / mo gross
    Other dependency status here$2,193 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Huachuca — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,569$1,245
    E-2$1,569$1,245
    E-3$1,569$1,245
    E-4$1,569$1,245
    E-5$1,719$1,347
    E-6$2,193$1,644
    E-7$2,217$1,665
    E-8$2,226$1,818
    E-9$2,250$1,956
    Warrant officer
    W-1$2,214$1,662
    W-2$2,223$1,815
    W-3$2,235$1,974
    W-4$2,265$2,190
    W-5$2,343$2,199
    Officer — prior enlisted
    O-1E$2,220$1,716
    O-2E$2,229$1,926
    O-3E$2,277$2,187
    Officer
    O-1$1,782$1,413
    O-2$2,190$1,674
    O-3$2,232$2,019
    O-4$2,364$2,193
    O-5$2,481$2,202
    O-6$2,499$2,205
    O-7$2,511$2,220
    PCS compareFort Huachuca · O-4 · $2,364/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,032+$12,384/yr · like +$15,877 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Terre Haute$2,379
    Springfield$2,376
    Minot AFB$2,367
    Morgantown$2,367
    Fort Huachuca$2,364
    Columbus AFB$2,361
    Sumter$2,361
    Camp Lejeune$2,355
    Fort Bliss$2,352
    Youngstown$1,809

    Fort Huachuca is #268 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 Huachuca0 – $2,511 / month
    E-1$1,569
    E-2$1,569
    E-3$1,569
    E-4$1,569
    E-5$1,719
    E-6$2,193
    E-7$2,217
    E-8$2,226
    E-9$2,250
    W-1$2,214
    W-2$2,223
    W-3$2,235
    W-4$2,265
    W-5$2,343
    O-1E$2,220
    O-2E$2,229
    O-3E$2,277
    O-1$1,782
    O-2$2,190
    O-3$2,232
    O-4$2,364
    O-5$2,481
    O-6$2,499
    O-7$2,511

    Promoting to O-5 here adds $117 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 Huachuca to Westchester County at O-4 is worth $5,106 a month — about 44 promotions worth of housing allowance, at $117 per grade here.

    02

    Dependency status is worth 8% 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. $2,364 a month of BAH takes more than $2,364 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.