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

$2,505 per month with dependents ($30,060 per year), effective 01 JAN 2026. Without dependents it is $2,145 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 Wayne 2026 — $2,505 with dependents, $2,145 without

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

Fort Wayne, IN

O-4 · with dependents

$2,505/ month

$30,060 / year

At O-4, this is #237 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA IN097 · ZIPs 46704 46741 46743 46745 46748 46765 +49 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,212 / mo gross

Without dependents here$2,145 / mo

In government quarters, no dependents$50.10 / mo partial

Fort Wayne — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,782	$1,338
E-2	$1,782	$1,338
E-3	$1,782	$1,338
E-4	$1,782	$1,338
E-5	$1,947	$1,503
E-6	$2,130	$1,626
E-7	$2,154	$1,785
E-8	$2,184	$1,989
E-9	$2,289	$2,034
Warrant officer
W-1	$2,145	$1,734
W-2	$2,166	$1,986
W-3	$2,208	$2,043
W-4	$2,319	$2,127
W-5	$2,463	$2,160
Officer — prior enlisted
O-1E	$2,157	$1,944
O-2E	$2,199	$2,022
O-3E	$2,343	$2,118
Officer
O-1	$1,977	$1,611
O-2	$2,127	$1,896
O-3	$2,205	$2,058
O-4	$2,505	$2,145
O-5	$2,727	$2,163
O-6	$2,745	$2,184
O-7	$2,763	$2,220

What this rate means

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

Westchester County$7,470

Whiteman AFB$2,517

Fort Leavenworth$2,508

Memphis$2,508

Mobile$2,508

Fort Wayne$2,505

Lincoln$2,502

Fallon NAS$2,499

Robins AFB$2,496

Brownsville$2,490

Youngstown$1,809

Fort Wayne is #237 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 Wayne0 – $2,763 / month

E-1$1,782

E-2$1,782

E-3$1,782

E-4$1,782

E-5$1,947

E-6$2,130

E-7$2,154

E-8$2,184

E-9$2,289

W-1$2,145

W-2$2,166

W-3$2,208

W-4$2,319

W-5$2,463

O-1E$2,157

O-2E$2,199

O-3E$2,343

O-1$1,977

O-2$2,127

O-3$2,205

O-4$2,505

O-5$2,727

O-6$2,745

O-7$2,763

Promoting to O-5 here adds $222 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 Wayne to Westchester County at O-4 is worth $4,965 a month — about 22 promotions worth of housing allowance, at $222 per grade here.

Dependency status is worth 17% 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. $2,505 a month of BAH takes more than $2,505 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 Wayne draws $2,505 per month with dependents in 2026, $2,145 without

What this rate means

Things the rate table doesn't tell you