What is O-4 BAH at Humboldt County in 2026?

$3,099 per month with dependents ($37,188 per year), effective 01 JAN 2026. Without dependents it is $2,520 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-4 BAH at Humboldt County 2026 — $3,099 with dependents, $2,520 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Humboldt County, CA

O-4 · with dependents

$3,099/ month

$37,188 / year

At O-4, this is #121 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA CA042 · ZIPs 95501 95502 95503 95511 95514 95518 +32 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,973 / mo gross

Without dependents here$2,520 / mo

In government quarters, no dependents$50.10 / mo partial

Humboldt County — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,764	$1,395
E-2	$1,764	$1,395
E-3	$1,764	$1,395
E-4	$1,764	$1,395
E-5	$1,827	$1,587
E-6	$2,322	$1,743
E-7	$2,511	$1,884
E-8	$2,715	$2,037
E-9	$2,916	$2,187
Warrant officer
W-1	$2,343	$1,758
W-2	$2,595	$1,947
W-3	$2,844	$2,190
W-4	$2,943	$2,364
W-5	$3,063	$2,556
Officer — prior enlisted
O-1E	$2,547	$1,911
O-2E	$2,808	$2,106
O-3E	$2,961	$2,316
Officer
O-1	$1,893	$1,698
O-2	$2,316	$1,887
O-3	$2,838	$2,193
O-4	$3,099	$2,520
O-5	$3,288	$2,634
O-6	$3,312	$2,823
O-7	$3,336	$2,871

What this rate means

O-4 with dependents, nearest stations0 – $7,470 / month

Westchester County$7,470

County Cost Group 830$3,138

Orlando$3,135

Reno$3,120

Patrick SFB$3,108

Humboldt County$3,099

Buffalo$3,093

Eugene$3,090

Rome$3,090

Twenty Nine Palms MCB$3,090

Youngstown$1,809

Humboldt County is #121 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 Humboldt County0 – $3,336 / month

E-1$1,764

E-2$1,764

E-3$1,764

E-4$1,764

E-5$1,827

E-6$2,322

E-7$2,511

E-8$2,715

E-9$2,916

W-1$2,343

W-2$2,595

W-3$2,844

W-4$2,943

W-5$3,063

O-1E$2,547

O-2E$2,808

O-3E$2,961

O-1$1,893

O-2$2,316

O-3$2,838

O-4$3,099

O-5$3,288

O-6$3,312

O-7$3,336

Promoting to O-5 here adds $189 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Humboldt County to Westchester County at O-4 is worth $4,371 a month — about 23 promotions worth of housing allowance, at $189 per grade here.

Dependency status is worth 23% 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.

None of it is taxed. $3,099 a month of BAH takes more than $3,099 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-4 at Humboldt County draws $3,099 per month with dependents in 2026, $2,520 without

What this rate means

Things the rate table doesn't tell you