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 without dependents at Hampton draws $2,427 per month in 2026

    Permalinkbahratedesk.com/hampton-newport-news-va/o-4/without/ExcelCSVDownloads cover this station.
    Hampton/Newport News, VA
    O-4 · without dependents
    $2,427/ month
    $29,124 / year
    At O-4, this is #169 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA VA297 · ZIPs 23001 23003 23018 23021 23025 23035 +63 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,112 / mo gross
    Other dependency status here$2,835 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Hampton — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,082$1,599
    E-2$2,082$1,599
    E-3$2,082$1,599
    E-4$2,082$1,599
    E-5$2,274$1,779
    E-6$2,421$1,905
    E-7$2,439$2,088
    E-8$2,457$2,310
    E-9$2,571$2,343
    Warrant officer
    W-1$2,436$2,022
    W-2$2,445$2,307
    W-3$2,478$2,349
    W-4$2,610$2,415
    W-5$2,778$2,439
    Officer — prior enlisted
    O-1E$2,442$2,271
    O-2E$2,466$2,334
    O-3E$2,637$2,409
    Officer
    O-1$2,301$1,884
    O-2$2,418$2,214
    O-3$2,475$2,361
    O-4$2,835$2,427
    O-5$3,099$2,442
    O-6$3,123$2,451
    O-7$3,144$2,493
    PCS compareHampton · O-4 · $2,427/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▲ RAISE+$438+$5,256/yr · like +$6,738 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Chattanooga$2,436
    New Orleans$2,436
    Charlotte$2,433
    Durham$2,430
    Hampton$2,427
    Fort Worth$2,421
    Battle Creek$2,418
    Cleveland$2,418
    Myrtle Beach$2,415
    Youngstown$1,497

    Hampton is #169 of 338. The spread between the dearest and cheapest station at this grade is $4,377 a month — $52,524 a year, untaxed.

    Every pay grade at Hampton0 – $2,493 / month
    E-1$1,599
    E-2$1,599
    E-3$1,599
    E-4$1,599
    E-5$1,779
    E-6$1,905
    E-7$2,088
    E-8$2,310
    E-9$2,343
    W-1$2,022
    W-2$2,307
    W-3$2,349
    W-4$2,415
    W-5$2,439
    O-1E$2,271
    O-2E$2,334
    O-3E$2,409
    O-1$1,884
    O-2$2,214
    O-3$2,361
    O-4$2,427
    O-5$2,442
    O-6$2,451
    O-7$2,493

    Promoting to O-5 here adds $15 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 Hampton to Westchester County at O-4 is worth $3,447 a month — about 230 promotions worth of housing allowance, at $15 per grade here.

    02

    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.

    03

    None of it is taxed. $2,427 a month of BAH takes more than $2,427 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.