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 $3,213Without $2,859

    O-4 at Fresno draws $3,213 per month with dependents in 2026, $2,859 without

    Permalinkbahratedesk.com/fresno-ca/o-4/ExcelCSVDownloads cover this station.
    Fresno, CA
    O-4 · with dependents
    $3,213/ month
    $38,556 / year
    At O-4, this is #111 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA CA022 · ZIPs 93210 93234 93242 93601 93602 93604 +107 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,119 / mo gross
    Without dependents here$2,859 / mo
    In government quarters, no dependents$50.10 / mo partial
    Fresno — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,175$1,740
    E-2$2,175$1,740
    E-3$2,175$1,740
    E-4$2,175$1,740
    E-5$2,439$1,842
    E-6$2,826$2,121
    E-7$2,868$2,184
    E-8$2,910$2,520
    E-9$3,015$2,631
    Warrant officer
    W-1$2,847$2,136
    W-2$2,883$2,517
    W-3$2,940$2,646
    W-4$3,042$2,832
    W-5$3,174$2,874
    Officer — prior enlisted
    O-1E$2,871$2,436
    O-2E$2,928$2,607
    O-3E$3,063$2,820
    Officer
    O-1$2,490$1,908
    O-2$2,823$2,352
    O-3$2,937$2,685
    O-4$3,213$2,859
    O-5$3,414$2,880
    O-6$3,441$2,916
    O-7$3,465$2,967
    PCS compareFresno · O-4 · $3,213/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$183+$2,196/yr · like +$2,815 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Dahlgren$3,243
    Knoxville$3,243
    Detroit$3,228
    County Cost Group 840$3,225
    Fresno$3,213
    Fairbanks$3,210
    Allentown$3,207
    Beaufort$3,192
    Minneapolis$3,183
    Youngstown$1,809

    Fresno is #111 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 Fresno0 – $3,465 / month
    E-1$2,175
    E-2$2,175
    E-3$2,175
    E-4$2,175
    E-5$2,439
    E-6$2,826
    E-7$2,868
    E-8$2,910
    E-9$3,015
    W-1$2,847
    W-2$2,883
    W-3$2,940
    W-4$3,042
    W-5$3,174
    O-1E$2,871
    O-2E$2,928
    O-3E$3,063
    O-1$2,490
    O-2$2,823
    O-3$2,937
    O-4$3,213
    O-5$3,414
    O-6$3,441
    O-7$3,465

    Promoting to O-5 here adds $201 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 Fresno to Westchester County at O-4 is worth $4,257 a month — about 21 promotions worth of housing allowance, at $201 per grade here.

    02

    Dependency status is worth 12% 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. $3,213 a month of BAH takes more than $3,213 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.