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 $4,710Without $4,173

    O-4 at Fort Monmouth draws $4,710 per month with dependents in 2026, $4,173 without

    Permalinkbahratedesk.com/fort-monmouth-earle-nws-nj/o-4/ExcelCSVDownloads cover this station.
    Fort Monmouth/Earle NWS, NJ
    O-4 · with dependents
    $4,710/ month
    $56,520 / year
    At O-4, this is #29 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA NJ200 · ZIPs 07701 07702 07703 07704 07710 07711 +58 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$6,038 / mo gross
    Without dependents here$4,173 / 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 · O-4 · $4,710/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$1,314−$15,768/yr · like −$20,215 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Cape Cod-Plymouth$4,872
    Portland$4,830
    Oakland$4,809
    Honolulu County$4,737
    Fort Monmouth$4,710
    Perth Amboy$4,638
    Fitchburg$4,587
    Burlington$4,584
    Marin$4,563
    Youngstown$1,809

    Fort Monmouth is #29 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 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 O-5 here adds $276 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 Westchester County at O-4 is worth $2,760 a month — about 10 promotions worth of housing allowance, at $276 per grade here.

    02

    Dependency status is worth 13% 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. $4,710 a month of BAH takes more than $4,710 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.