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 Jacksonville draws $2,277 per month in 2026

    Permalinkbahratedesk.com/jacksonville-fl/o-4/without/ExcelCSVDownloads cover this station.
    Jacksonville, FL
    O-4 · without dependents
    $2,277/ month
    $27,324 / year
    At O-4, this is #198 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA FL058 · ZIPs 32003 32004 32006 32030 32033 32043 +70 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,919 / mo gross
    Other dependency status here$2,580 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Jacksonville — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,046$1,623
    E-2$2,046$1,623
    E-3$2,046$1,623
    E-4$2,046$1,623
    E-5$2,181$1,803
    E-6$2,241$1,920
    E-7$2,283$2,049
    E-8$2,331$2,199
    E-9$2,424$2,205
    Warrant officer
    W-1$2,256$2,010
    W-2$2,301$2,196
    W-3$2,367$2,208
    W-4$2,445$2,241
    W-5$2,550$2,292
    Officer — prior enlisted
    O-1E$2,289$2,178
    O-2E$2,355$2,202
    O-3E$2,463$2,229
    Officer
    O-1$2,196$1,908
    O-2$2,238$2,139
    O-3$2,364$2,211
    O-4$2,580$2,277
    O-5$2,736$2,301
    O-6$2,757$2,343
    O-7$2,775$2,382
    PCS compareJacksonville · O-4 · $2,277/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▲ RAISE+$588+$7,056/yr · like +$9,046 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Cheyenne$2,298
    Des Moines$2,289
    Jackson$2,289
    County Cost Group 790$2,286
    Jacksonville$2,277
    Nellis AFB$2,265
    Ogden$2,265
    Bismarck$2,259
    Tallahassee$2,259
    Youngstown$1,497

    Jacksonville is #198 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 Jacksonville0 – $2,382 / month
    E-1$1,623
    E-2$1,623
    E-3$1,623
    E-4$1,623
    E-5$1,803
    E-6$1,920
    E-7$2,049
    E-8$2,199
    E-9$2,205
    W-1$2,010
    W-2$2,196
    W-3$2,208
    W-4$2,241
    W-5$2,292
    O-1E$2,178
    O-2E$2,202
    O-3E$2,229
    O-1$1,908
    O-2$2,139
    O-3$2,211
    O-4$2,277
    O-5$2,301
    O-6$2,343
    O-7$2,382

    Promoting to O-5 here adds $24 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 Jacksonville to Westchester County at O-4 is worth $3,597 a month — about 150 promotions worth of housing allowance, at $24 per grade here.

    02

    Dependency status is worth 13% 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. $2,277 a month of BAH takes more than $2,277 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.