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 $2,841Without $2,289

    O-4 at Jackson draws $2,841 per month with dependents in 2026, $2,289 without

    Permalinkbahratedesk.com/jackson-ms/o-4/ExcelCSVDownloads cover this station.
    Jackson, MS
    O-4 · with dependents
    $2,841/ month
    $34,092 / year
    At O-4, this is #168 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA MS170 · ZIPs 39041 39042 39043 39045 39046 39047 +56 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,642 / mo gross
    Without dependents here$2,289 / mo
    In government quarters, no dependents$50.10 / mo partial
    Jackson — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,818$1,422
    E-2$1,818$1,422
    E-3$1,818$1,422
    E-4$1,818$1,422
    E-5$1,920$1,608
    E-6$2,163$1,722
    E-7$2,286$1,818
    E-8$2,418$1,974
    E-9$2,598$2,037
    Warrant officer
    W-1$2,181$1,797
    W-2$2,340$1,971
    W-3$2,505$2,049
    W-4$2,634$2,184
    W-5$2,790$2,316
    Officer — prior enlisted
    O-1E$2,307$1,917
    O-2E$2,481$2,022
    O-3E$2,658$2,154
    Officer
    O-1$1,956$1,716
    O-2$2,160$1,890
    O-3$2,502$2,070
    O-4$2,841$2,289
    O-5$3,084$2,361
    O-6$3,108$2,484
    O-7$3,129$2,526
    PCS compareJackson · O-4 · $2,841/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$555+$6,660/yr · like +$8,538 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Atlanta$2,859
    Carlisle Barracks$2,853
    El Centro$2,847
    New Orleans$2,847
    Jackson$2,841
    Hampton$2,835
    Volusia County$2,826
    Eastern Panhandle$2,796
    Columbus$2,793
    Youngstown$1,809

    Jackson is #168 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 Jackson0 – $3,129 / month
    E-1$1,818
    E-2$1,818
    E-3$1,818
    E-4$1,818
    E-5$1,920
    E-6$2,163
    E-7$2,286
    E-8$2,418
    E-9$2,598
    W-1$2,181
    W-2$2,340
    W-3$2,505
    W-4$2,634
    W-5$2,790
    O-1E$2,307
    O-2E$2,481
    O-3E$2,658
    O-1$1,956
    O-2$2,160
    O-3$2,502
    O-4$2,841
    O-5$3,084
    O-6$3,108
    O-7$3,129

    Promoting to O-5 here adds $243 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 Jackson to Westchester County at O-4 is worth $4,629 a month — about 19 promotions worth of housing allowance, at $243 per grade here.

    02

    Dependency status is worth 24% 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. $2,841 a month of BAH takes more than $2,841 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.