Official data current

Indianapolis BAH rates

Verified · Effective 2026-01-01 · MHA IN094

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O-4 · With dependents
$2,451per month

$29,412 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #249 of 338O-4 · with dependents reference
Taxable-pay equivalent$3,142/mo Using the stated 22% comparison rate
Year-over-year change+$147/mo · +6.4%2025 $2,304 → 2026 $2,451
O-4 rate selectedMHA IN094 ZIPs 46030 46031 46032 46033 46034 46037 +110
PCS compare Indianapolis · O-4 · with dep. · $2,451/mo
Indianapolis $2,451/mo · $29,412/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$2,304
2026$2,451

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Indianapolis — full sheet Tap a row

What this rate means

O-4 with dependents, nearest stations0 – $7,470 / month
Westchester County $7,470
Fallon NAS $2,499
Robins AFB $2,496
Brownsville $2,490
Tulsa $2,490
Grand Forks $2,478
Greensboro $2,472
Seymour Johnson AFB $2,472
Greenville $2,463
County Cost Group 760 $2,457
Pensacola $2,457
Indianapolis $2,451
Wright-Patterson AFB $2,448
China Lake $2,445
Huntsville $2,445
Fort Bragg $2,427
Wilkes-Barre $2,427
Lexington $2,421
Paducah $2,415
Akron $2,403
County Cost Group 750 $2,400
Davis-Monthan AFB $2,400
Youngstown $1,809

Indianapolis is #249 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 Indianapolis0 – $2,592 / month
E-1 $1,749
E-2 $1,749
E-3 $1,749
E-4 $1,749
E-5 $1,875
E-6 $2,208
E-7 $2,244
E-8 $2,283
E-9 $2,346
W-1 $2,229
W-2 $2,259
W-3 $2,310
W-4 $2,361
W-5 $2,433
O-1E $2,247
O-2E $2,298
O-3E $2,373
O-1 $1,923
O-2 $2,205
O-3 $2,307
O-4 $2,451
O-5 $2,559
O-6 $2,577
O-7 $2,592

The pay chart moves this allowance far less than the map does.

Moving from Indianapolis to Westchester County at O-4 is worth $5,019 a month — about 46 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…