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

    W-4 with dependents at Indian Head Navordsta draws $3,804 per month in 2026

    Permalinkbahratedesk.com/indian-head-navordsta-md/w-4/with/ExcelCSVDownloads cover this station.
    Indian Head Navordsta, MD
    W-4 · with dependents
    $3,804/ month
    $45,648 / year
    At W-4, this is #50 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779
    MHA MD134 · ZIPs 20601 20602 20603 20604 20607 20611 +19 more
    Your grade is calledARMYCW4USMCCWO4NAVYCWO4
    Untaxed — matching it with taxable pay takes$4,877 / mo gross
    Other dependency status here$3,396 without 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 · W-4 · $3,804/mo
    Aberdeen Proving Grounds$3,198/mo · $38,376/yr
    ▼ CUT−$606−$7,272/yr · like −$9,323 of salary

    What this rate means

    W-4 with dependents, every station0 – $6,963 / month
    Westchester County$6,963
    San Francisco$5,892
    New York City$5,883
    Nantucket$5,772
    Maui County$5,760
    Boston$5,457
    Santa Clara County$5,448
    Northern New Jersey$5,289
    Long Island$5,229
    Florida Keys$5,178
    Martha's Vineyard$5,166
    Hanscom AFB$5,061
    Monterey$5,001
    Kauai County$4,938
    Essex CO$4,833
    Camp Pendleton$4,824
    Staten Island$4,743
    Miami$4,737
    San Diego$4,731
    Los Angeles$4,728
    Portsmouth$4,668
    Cape Cod-Plymouth$4,596
    Trenton$4,578
    West Point$4,572
    Honolulu County$4,551
    Oakland$4,533
    San Luis Obispo$4,485
    Portland$4,482
    Fort Monmouth$4,476
    Perth Amboy$4,392
    Burlington$4,353
    Manchester$4,347
    Seattle$4,347
    Ventura$4,341
    Marin$4,305
    Fitchburg$4,266
    Newport$4,260
    Washington$4,167
    West Palm Beach$4,155
    Providence$4,131
    Hawaii County$4,014
    New Haven$4,005
    County Cost Group 890$3,984
    Worcester$3,963
    Vandenberg SFB$3,906
    Hartford$3,903
    Warrenton$3,873
    Boulder$3,825
    Brunswick$3,807
    Indian Head Navordsta$3,804
    Chicago$3,795
    Santa Fe$3,780
    Atlantic City$3,774
    Riverside$3,768
    Juneau$3,699
    JB McGuire-Dix-Lakehurst$3,678
    Everett$3,651
    County Cost Group 880$3,633
    Vallejo$3,621
    Austin$3,597
    Annapolis$3,585
    Madison$3,558
    Hampden County$3,555
    Fort G. G. Meade$3,543
    Sitka$3,531
    JB Elmendorf-Richardson$3,528
    Ann Arbor$3,528
    Willow Grove$3,525
    Quantico$3,489
    San Bernardino$3,489
    Ketchikan$3,480
    Stockton$3,477
    Eglin AFB$3,456
    New London$3,441
    County Cost Group 870$3,408
    Edwards AFB$3,390
    Fort Detrick$3,375
    Cape May$3,360
    Ballston Spa$3,357
    Milwaukee$3,336
    Kodiak Island$3,321
    Astoria$3,318
    Denver$3,288
    Baltimore$3,279
    County Cost Group 860$3,219
    Outer Banks$3,219
    Beale AFB$3,216
    Fort Myers Beach$3,213
    Fort Pierce$3,204
    JB Lewis-McChord$3,201
    Aberdeen Proving Grounds$3,198
    Portland$3,180
    Whidbey Island$3,174
    Port Angeles$3,159
    Charlottesville$3,156
    Great Lakes Navtracen$3,156
    Philadelphia$3,156
    Sacramento$3,144
    Tampa$3,141
    Traverse City$3,141
    Oxford$3,135
    Bridgeport$3,129
    County Cost Group 850$3,129
    Bremerton$3,126
    Dover AFB$3,066
    Corvallis$3,063
    Fairbanks$3,045
    Fresno$3,042
    Knoxville$3,036
    Asheville$3,033
    Orlando$3,033
    County Cost Group 840$3,030
    Minneapolis$3,015
    Dahlgren$2,997
    Allentown$2,991
    Beaufort$2,982
    Patrick SFB$2,976
    Rome$2,958
    Detroit$2,949
    County Cost Group 830$2,946
    Humboldt County$2,943
    Coastal Maine$2,937
    Reno$2,922
    Spokane$2,922
    Abilene$2,919
    Dallas$2,919
    Twenty Nine Palms MCB$2,919
    Syracuse$2,901
    Buffalo$2,895
    Eugene$2,889
    Fort Collins$2,886
    Patuxent River$2,886
    Nashville$2,877
    Helena$2,874
    College Station$2,871
    St. Louis$2,871
    Richmond$2,862
    Rochester$2,859
    Savannah$2,853
    County Cost Group 820$2,847
    Barstow$2,838
    Norfolk$2,832
    Houston$2,829
    Gainesville$2,826
    Salem$2,826
    Salt Lake City$2,823
    Yakima$2,823
    Coos Bay$2,796
    Elizabeth City$2,796
    Charleston$2,790
    Pittsburgh$2,790
    Panama City$2,787
    Wilmington$2,775
    Atlanta$2,772
    Omaha$2,742
    El Centro$2,739
    County Cost Group 810$2,736
    Fort Stewart$2,715
    State College$2,715
    Volusia County$2,706
    Cincinnati$2,703
    Tallahassee$2,700
    Carlisle Barracks$2,673
    Durham$2,673
    Chattanooga$2,670
    Fort Carson$2,664
    Columbus$2,664
    New Orleans$2,664
    Bloomington$2,640
    Jackson$2,634
    Grand Haven$2,631
    Myrtle Beach$2,625
    County Cost Group 800$2,619
    Battle Creek$2,616
    Provo$2,613
    Fort Campbell$2,610
    Hampton$2,610
    Cleveland$2,604
    Dahlonega$2,604
    Birmingham$2,598
    Eastern Panhandle$2,598
    Fargo$2,598
    Bangor$2,586
    Corpus Christi$2,583
    Rapid City$2,559
    Cheyenne$2,547
    Grand Rapids$2,547
    Fort Drum$2,544
    Ocala$2,544
    County Cost Group 790$2,538
    Des Moines$2,538
    Fort Knox$2,538
    Waco$2,538
    Lemoore NAS$2,535
    Phoenix$2,535
    Auburn$2,532
    Kings Bay$2,529
    Morehead$2,529
    Louisville$2,523
    Fort Worth$2,511
    Albuquerque$2,502
    Eastern Shore$2,496
    Charlotte$2,481
    Marquette$2,481
    Nellis AFB$2,469
    Fayetteville$2,466
    Johnson City$2,466
    Raleigh$2,466
    Wichita Fls$2,463
    Boise$2,457
    Duluth$2,457
    County Cost Group 780$2,451
    Mountain Home AFB$2,451
    Jacksonville$2,445
    Fort Leavenworth$2,439
    Ogden$2,436
    Fort Hood$2,433
    Kansas City$2,430
    Rock Island$2,421
    Roanoke$2,409
    Memphis$2,394
    Fallon NAS$2,391
    Shreveport$2,382
    Bismarck$2,379
    County Cost Group 770$2,379
    Fort Rucker$2,373
    Malmstrom SFB$2,373
    Fort Gordon$2,367
    Scott AFB$2,367
    Lincoln$2,364
    Indianapolis$2,361
    Whiteman AFB$2,349
    Lexington$2,343
    Columbia$2,340
    Greensboro$2,340
    Pensacola$2,325
    Baton Rouge$2,322
    Seymour Johnson AFB$2,322
    Fort Wayne$2,319
    Mobile$2,319
    Toledo$2,319
    Robins AFB$2,313
    Grand Forks$2,307
    Huntsville$2,307
    County Cost Group 760$2,301
    Greenville$2,301
    Brownsville$2,292
    Champaign$2,280
    Lansing$2,280
    Laughlin AFB$2,280
    Davis-Monthan AFB$2,274
    Fort Bragg$2,271
    China Lake$2,268
    Fort Huachuca$2,265
    Fort Bliss$2,256
    Tulsa$2,253
    Columbus AFB$2,250
    County Cost Group 750$2,247
    Goodfellow AFB$2,247
    Minot AFB$2,247
    Lexington$2,241
    Wright-Patterson AFB$2,232
    Columbia$2,226
    Wilkes-Barre$2,214
    County Cost Group 740$2,193
    Sioux Falls$2,193
    Camp Lejeune$2,187
    Topeka$2,187
    San Antonio (JBSA)$2,178
    Gulfport$2,175
    Paducah$2,175
    Sumter$2,169
    County Cost Group 730$2,157
    Morgantown$2,157
    Frankfort$2,151
    Fort Benning$2,148
    Terre Haute$2,145
    Springfield$2,142
    White Sands MR$2,142
    Lafayette$2,139
    Yuma$2,139
    Akron$2,136
    Peoria$2,133
    St Mary And Terrebonne$2,133
    County Cost Group 720$2,130
    Moody AFB$2,130
    Lubbock$2,121
    County Cost Group 710$2,106
    Little Rock$2,100
    Sault Ste Marie$2,097
    Springfield$2,094
    Lake Charles$2,088
    County Cost Group 700$2,085
    Alexandria$2,073
    Fort Leonard Wood$2,073
    Montgomery$2,073
    County Cost Group 690$2,070
    Beaumont$2,064
    County Cost Group 680$2,058
    Oklahoma City$2,055
    Fort Chaffee$2,052
    Meridian$2,052
    Wichita$2,052
    Albany$2,046
    County Cost Group 670$2,046
    Fort Riley$2,037
    County Cost Group 660$2,034
    County Cost Group 650$2,022
    County Cost Group 640$2,013
    Fort Polk$2,010
    Holloman AFB$2,007
    County Cost Group 630$2,004
    County Cost Group 620$1,995
    Charleston$1,992
    County Cost Group 610$1,989
    Sparta$1,989
    County Cost Group 600$1,980
    Hattiesburg$1,980
    Huntington$1,977
    County Cost Group 590$1,968
    County Cost Group 580$1,953
    Erie$1,950
    Vance AFB$1,950
    Altus AFB$1,947
    County Cost Group 570$1,941
    County Cost Group 560$1,932
    County Cost Group 550$1,920
    County Cost Group 540$1,911
    County Cost Group 530$1,902
    County Cost Group 520$1,899
    Cannon AFB$1,893
    County Cost Group 510$1,893
    Saginaw$1,878
    Fort Sill$1,872
    Monroe$1,797
    Youngstown$1,785
    Anniston$1,782
    Stevens Point$1,779

    Indian Head Navordsta is #50 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 a year, untaxed.

    Every pay grade at Indian Head Navordsta0 – $4,344 / month
    E-1$3,192
    E-2$3,192
    E-3$3,192
    E-4$3,192
    E-5$3,249
    E-6$3,378
    E-7$3,483
    E-8$3,597
    E-9$3,768
    W-1$3,393
    W-2$3,528
    W-3$3,672
    W-4$3,804
    W-5$3,969
    O-1E$3,501
    O-2E$3,648
    O-3E$3,831
    O-1$3,273
    O-2$3,375
    O-3$3,669
    O-4$4,020
    O-5$4,278
    O-6$4,314
    O-7$4,344

    Promoting to W-5 here adds $165 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 W-4 is worth $3,159 a month — about 19 promotions worth of housing allowance, at $165 per grade here.

    02

    Dependency status is worth 12% 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. $3,804 a month of BAH takes more than $3,804 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.