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 Hawaii County draws $4,128 per month in 2026

    Permalinkbahratedesk.com/hawaii-county-hi/o-4/with/ExcelCSVDownloads cover this station.
    Hawaii County, HI
    O-4 · with dependents
    $4,128/ month
    $49,536 / year
    At O-4, this is #46 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA HI409 · ZIPs 96704 96710 96718 96719 96720 96721 +26 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$5,292 / mo gross
    Other dependency status here$3,867 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Hawaii County — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,447$2,586
    E-2$3,447$2,586
    E-3$3,447$2,586
    E-4$3,447$2,586
    E-5$3,594$3,042
    E-6$3,837$3,312
    E-7$3,876$3,450
    E-8$3,915$3,648
    E-9$3,993$3,711
    Warrant officer
    W-1$3,855$3,408
    W-2$3,891$3,645
    W-3$3,948$3,723
    W-4$4,014$3,840
    W-5$4,104$3,882
    Officer — prior enlisted
    O-1E$3,879$3,591
    O-2E$3,936$3,696
    O-3E$4,026$3,828
    Officer
    O-1$3,630$3,297
    O-2$3,834$3,549
    O-3$3,945$3,744
    O-4$4,128$3,867
    O-5$4,263$3,885
    O-6$4,299$3,921
    O-7$4,332$3,993
    PCS compareHawaii County · O-4 · $4,128/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$732−$8,784/yr · like −$11,262 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    New Haven$4,275
    County Cost Group 890$4,236
    Warrenton$4,206
    Hartford$4,128
    Hawaii County$4,128
    Vandenberg SFB$4,113
    Indian Head Navordsta$4,020
    Atlantic City$4,014
    Boulder$4,005
    Youngstown$1,809

    Hawaii County is #46 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 Hawaii County0 – $4,332 / month
    E-1$3,447
    E-2$3,447
    E-3$3,447
    E-4$3,447
    E-5$3,594
    E-6$3,837
    E-7$3,876
    E-8$3,915
    E-9$3,993
    W-1$3,855
    W-2$3,891
    W-3$3,948
    W-4$4,014
    W-5$4,104
    O-1E$3,879
    O-2E$3,936
    O-3E$4,026
    O-1$3,630
    O-2$3,834
    O-3$3,945
    O-4$4,128
    O-5$4,263
    O-6$4,299
    O-7$4,332

    Promoting to O-5 here adds $135 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 Hawaii County to Westchester County at O-4 is worth $3,342 a month — about 25 promotions worth of housing allowance, at $135 per grade here.

    02

    Dependency status is worth 7% 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. $4,128 a month of BAH takes more than $4,128 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.