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 $3,357Without $2,523

    E-4 at Fort Monmouth draws $3,357 per month with dependents in 2026, $2,523 without

    Permalinkbahratedesk.com/fort-monmouth-earle-nws-nj/e-4/ExcelCSVDownloads cover this station.
    Fort Monmouth/Earle NWS, NJ
    E-4 · with dependents
    $3,357/ month
    $40,284 / year
    At E-4, this is #23 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA NJ200 · ZIPs 07701 07702 07703 07704 07710 07711 +58 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$4,304 / mo gross
    Without dependents here$2,523 / mo
    In government quarters, no dependents$50.10 / mo partial
    Fort Monmouth — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,357$2,523
    E-2$3,357$2,523
    E-3$3,357$2,523
    E-4$3,357$2,523
    E-5$3,549$2,940
    E-6$4,080$3,180
    E-7$4,173$3,363
    E-8$4,272$3,657
    E-9$4,437$3,816
    Warrant officer
    W-1$4,101$3,300
    W-2$4,212$3,654
    W-3$4,335$3,834
    W-4$4,476$4,098
    W-5$4,653$4,194
    Officer — prior enlisted
    O-1E$4,188$3,546
    O-2E$4,314$3,780
    O-3E$4,503$4,074
    Officer
    O-1$3,618$3,159
    O-2$4,077$3,486
    O-3$4,332$3,888
    O-4$4,710$4,173
    O-5$4,986$4,224
    O-6$5,028$4,314
    O-7$5,067$4,392
    PCS compareFort Monmouth · E-4 · $3,357/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▼ CUT−$1,089−$13,068/yr · like −$16,754 of salary

    What this rate means

    E-4 with dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    Oakland$3,471
    Miami$3,459
    Hawaii County$3,447
    Ventura$3,378
    Fort Monmouth$3,357
    Perth Amboy$3,339
    Honolulu County$3,333
    Essex CO$3,282
    West Point$3,258
    Youngstown$1,134

    Fort Monmouth is #23 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 Monmouth0 – $5,067 / month
    E-1$3,357
    E-2$3,357
    E-3$3,357
    E-4$3,357
    E-5$3,549
    E-6$4,080
    E-7$4,173
    E-8$4,272
    E-9$4,437
    W-1$4,101
    W-2$4,212
    W-3$4,335
    W-4$4,476
    W-5$4,653
    O-1E$4,188
    O-2E$4,314
    O-3E$4,503
    O-1$3,618
    O-2$4,077
    O-3$4,332
    O-4$4,710
    O-5$4,986
    O-6$5,028
    O-7$5,067

    Promoting to E-5 here adds $192 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 Monmouth to New York City at E-4 is worth $1,710 a month — about 9 promotions worth of housing allowance, at $192 per grade here.

    02

    Dependency status is worth 33% 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. $3,357 a month of BAH takes more than $3,357 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.