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 $3,039Without $2,580

    O-4 at Houston draws $3,039 per month with dependents in 2026, $2,580 without

    Permalinkbahratedesk.com/houston-tx/o-4/ExcelCSVDownloads cover this station.
    Houston, TX
    O-4 · with dependents
    $3,039/ month
    $36,468 / year
    At O-4, this is #136 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA TX282 · ZIPs 77001 77002 77003 77004 77005 77006 +317 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,896 / mo gross
    Without dependents here$2,580 / mo
    In government quarters, no dependents$50.10 / mo partial
    Houston — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,974$1,524
    E-2$1,974$1,524
    E-3$1,974$1,524
    E-4$1,974$1,524
    E-5$2,193$1,665
    E-6$2,517$1,887
    E-7$2,583$1,980
    E-8$2,655$2,265
    E-9$2,796$2,352
    Warrant officer
    W-1$2,535$1,905
    W-2$2,610$2,262
    W-3$2,703$2,367
    W-4$2,829$2,526
    W-5$2,988$2,598
    Officer — prior enlisted
    O-1E$2,592$2,190
    O-2E$2,688$2,331
    O-3E$2,856$2,508
    Officer
    O-1$2,241$1,749
    O-2$2,514$2,124
    O-3$2,700$2,397
    O-4$3,039$2,580
    O-5$3,288$2,616
    O-6$3,312$2,679
    O-7$3,336$2,724
    PCS compareHouston · O-4 · $3,039/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$357+$4,284/yr · like +$5,492 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Spokane$3,048
    St. Louis$3,048
    Dallas$3,045
    Helena$3,039
    Houston$3,039
    Syracuse$3,039
    Savannah$3,036
    County Cost Group 820$3,033
    Gainesville$3,033
    Youngstown$1,809

    Houston is #136 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 Houston0 – $3,336 / month
    E-1$1,974
    E-2$1,974
    E-3$1,974
    E-4$1,974
    E-5$2,193
    E-6$2,517
    E-7$2,583
    E-8$2,655
    E-9$2,796
    W-1$2,535
    W-2$2,610
    W-3$2,703
    W-4$2,829
    W-5$2,988
    O-1E$2,592
    O-2E$2,688
    O-3E$2,856
    O-1$2,241
    O-2$2,514
    O-3$2,700
    O-4$3,039
    O-5$3,288
    O-6$3,312
    O-7$3,336

    Promoting to O-5 here adds $249 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 Houston to Westchester County at O-4 is worth $4,431 a month — about 18 promotions worth of housing allowance, at $249 per grade here.

    02

    Dependency status is worth 18% 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. $3,039 a month of BAH takes more than $3,039 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.