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 Sill draws $2,055 per month in 2026

    Permalinkbahratedesk.com/fort-sill-lawton-ok/o-4/with/ExcelCSVDownloads cover this station.
    Fort Sill/Lawton, OK
    O-4 · with dependents
    $2,055/ month
    $24,660 / year
    At O-4, this is #328 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA OK237 · ZIPs 73501 73502 73503 73505 73506 73507 +10 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,635 / mo gross
    Other dependency status here$1,587 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Sill — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,203$969
    E-2$1,203$969
    E-3$1,203$969
    E-4$1,203$969
    E-5$1,233$1,092
    E-6$1,494$1,170
    E-7$1,587$1,209
    E-8$1,692$1,290
    E-9$1,842$1,383
    Warrant officer
    W-1$1,509$1,206
    W-2$1,632$1,287
    W-3$1,761$1,386
    W-4$1,872$1,509
    W-5$2,013$1,611
    Officer — prior enlisted
    O-1E$1,605$1,230
    O-2E$1,740$1,344
    O-3E$1,893$1,482
    Officer
    O-1$1,272$1,167
    O-2$1,491$1,227
    O-3$1,758$1,395
    O-4$2,055$1,587
    O-5$2,271$1,704
    O-6$2,286$1,740
    O-7$2,298$1,767
    PCS compareFort Sill · O-4 · $2,055/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,341+$16,092/yr · like +$20,631 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Erie$2,076
    Huntington$2,073
    County Cost Group 560$2,067
    County Cost Group 550$2,055
    Fort Sill$2,055
    County Cost Group 540$2,046
    County Cost Group 530$2,037
    County Cost Group 520$2,031
    County Cost Group 510$2,025
    Youngstown$1,809

    Fort Sill is #328 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 Sill0 – $2,298 / month
    E-1$1,203
    E-2$1,203
    E-3$1,203
    E-4$1,203
    E-5$1,233
    E-6$1,494
    E-7$1,587
    E-8$1,692
    E-9$1,842
    W-1$1,509
    W-2$1,632
    W-3$1,761
    W-4$1,872
    W-5$2,013
    O-1E$1,605
    O-2E$1,740
    O-3E$1,893
    O-1$1,272
    O-2$1,491
    O-3$1,758
    O-4$2,055
    O-5$2,271
    O-6$2,286
    O-7$2,298

    Promoting to O-5 here adds $216 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 Sill to Westchester County at O-4 is worth $5,415 a month — about 25 promotions worth of housing allowance, at $216 per grade here.

    02

    Dependency status is worth 29% 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. $2,055 a month of BAH takes more than $2,055 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.