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 Great Lakes Navtracen draws $3,381 per month in 2026

    Permalinkbahratedesk.com/great-lakes-navtracen-il/o-4/with/ExcelCSVDownloads cover this station.
    Great Lakes Navtracen, IL
    O-4 · with dependents
    $3,381/ month
    $40,572 / year
    At O-4, this is #92 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA IL092 · ZIPs 53101 53102 53104 53109 53140 53141 +44 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,335 / mo gross
    Other dependency status here$2,853 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Great Lakes Navtracen — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,202$1,653
    E-2$2,202$1,653
    E-3$2,202$1,653
    E-4$2,202$1,653
    E-5$2,427$1,854
    E-6$2,760$2,067
    E-7$2,853$2,211
    E-8$2,955$2,499
    E-9$3,120$2,592
    Warrant officer
    W-1$2,778$2,133
    W-2$2,895$2,496
    W-3$3,021$2,604
    W-4$3,156$2,778
    W-5$3,327$2,874
    Officer — prior enlisted
    O-1E$2,871$2,424
    O-2E$3,000$2,571
    O-3E$3,183$2,751
    Officer
    O-1$2,475$1,977
    O-2$2,757$2,355
    O-3$3,018$2,637
    O-4$3,381$2,853
    O-5$3,645$2,907
    O-6$3,675$3,000
    O-7$3,702$3,051
    PCS compareGreat Lakes Navtracen · O-4 · $3,381/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$15+$180/yr · like +$231 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Portland$3,420
    Fort Pierce$3,408
    Aberdeen Proving Grounds$3,396
    Corvallis$3,387
    Great Lakes Navtracen$3,381
    Oxford$3,378
    Asheville$3,351
    Fort Myers Beach$3,345
    Beale AFB$3,342
    Youngstown$1,809

    Great Lakes Navtracen is #92 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 Great Lakes Navtracen0 – $3,702 / month
    E-1$2,202
    E-2$2,202
    E-3$2,202
    E-4$2,202
    E-5$2,427
    E-6$2,760
    E-7$2,853
    E-8$2,955
    E-9$3,120
    W-1$2,778
    W-2$2,895
    W-3$3,021
    W-4$3,156
    W-5$3,327
    O-1E$2,871
    O-2E$3,000
    O-3E$3,183
    O-1$2,475
    O-2$2,757
    O-3$3,018
    O-4$3,381
    O-5$3,645
    O-6$3,675
    O-7$3,702

    Promoting to O-5 here adds $264 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 Great Lakes Navtracen to Westchester County at O-4 is worth $4,089 a month — about 15 promotions worth of housing allowance, at $264 per grade here.

    02

    Dependency status is worth 19% 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. $3,381 a month of BAH takes more than $3,381 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.