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 Indian Head Navordsta draws $3,483 per month in 2026

    Permalinkbahratedesk.com/indian-head-navordsta-md/o-4/without/ExcelCSVDownloads cover this station.
    Indian Head Navordsta, MD
    O-4 · without dependents
    $3,483/ month
    $41,796 / year
    At O-4, this is #51 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA MD134 · ZIPs 20601 20602 20603 20604 20607 20611 +19 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,465 / mo gross
    Other dependency status here$4,020 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Indian Head Navordsta — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,192$2,472
    E-2$3,192$2,472
    E-3$3,192$2,472
    E-4$3,192$2,472
    E-5$3,249$2,904
    E-6$3,378$3,135
    E-7$3,483$3,189
    E-8$3,597$3,282
    E-9$3,768$3,306
    Warrant officer
    W-1$3,393$3,186
    W-2$3,528$3,279
    W-3$3,672$3,315
    W-4$3,804$3,396
    W-5$3,969$3,507
    Officer — prior enlisted
    O-1E$3,501$3,246
    O-2E$3,648$3,300
    O-3E$3,831$3,366
    Officer
    O-1$3,273$3,132
    O-2$3,375$3,234
    O-3$3,669$3,327
    O-4$4,020$3,483
    O-5$4,278$3,543
    O-6$4,314$3,651
    O-7$4,344$3,714
    PCS compareIndian Head Navordsta · O-4 · $3,483/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▼ CUT−$618−$7,416/yr · like −$9,508 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Worcester$3,528
    Santa Fe$3,522
    Vallejo$3,498
    Hartford$3,495
    Indian Head Navordsta$3,483
    Boulder$3,480
    Warrenton$3,480
    JB McGuire-Dix-Lakehurst$3,477
    Juneau$3,432
    Youngstown$1,497

    Indian Head Navordsta is #51 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 Indian Head Navordsta0 – $3,714 / month
    E-1$2,472
    E-2$2,472
    E-3$2,472
    E-4$2,472
    E-5$2,904
    E-6$3,135
    E-7$3,189
    E-8$3,282
    E-9$3,306
    W-1$3,186
    W-2$3,279
    W-3$3,315
    W-4$3,396
    W-5$3,507
    O-1E$3,246
    O-2E$3,300
    O-3E$3,366
    O-1$3,132
    O-2$3,234
    O-3$3,327
    O-4$3,483
    O-5$3,543
    O-6$3,651
    O-7$3,714

    Promoting to O-5 here adds $60 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 Indian Head Navordsta to Westchester County at O-4 is worth $2,391 a month — about 40 promotions worth of housing allowance, at $60 per grade here.

    02

    Dependency status is worth 15% 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. $3,483 a month of BAH takes more than $3,483 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.