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 $3,789Without $3,051

    O-4 at JB Elmendorf-Richardson draws $3,789 per month with dependents in 2026, $3,051 without

    Permalinkbahratedesk.com/jber/o-4/ExcelCSVDownloads cover this station.
    Anchorage, AK
    O-4 · with dependents
    $3,789/ month
    $45,468 / year
    At O-4, this is #61 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA AK404 · ZIPs 99501 99502 99503 99504 99505 99506 +167 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,858 / mo gross
    Without dependents here$3,051 / mo
    In government quarters, no dependents$50.10 / mo partial
    MHA

    Alaska is BAH, not OHA — a common mix-up when people see 'overseas-feeling' duty stations.

    JB Elmendorf-Richardson — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,277$1,707
    E-2$2,277$1,707
    E-3$2,277$1,707
    E-4$2,277$1,707
    E-5$2,874$2,157
    E-6$2,892$2,169
    E-7$3,045$2,283
    E-8$3,240$2,430
    E-9$3,486$2,616
    Warrant officer
    W-1$2,895$2,172
    W-2$3,123$2,385
    W-3$3,369$2,619
    W-4$3,528$2,901
    W-5$3,723$3,087
    Officer — prior enlisted
    O-1E$3,078$2,310
    O-2E$3,333$2,523
    O-3E$3,558$2,853
    Officer
    O-1$2,886$2,166
    O-2$2,889$2,286
    O-3$3,360$2,643
    O-4$3,789$3,051
    O-5$4,095$3,162
    O-6$4,131$3,348
    O-7$4,161$3,405
    PCS compareJB Elmendorf-Richardson · O-4 · $3,789/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$393−$4,716/yr · like −$6,046 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Brunswick$3,846
    Austin$3,825
    Annapolis$3,822
    Ann Arbor$3,804
    JB Elmendorf-Richardson$3,789
    Everett$3,780
    Vallejo$3,762
    Fort G. G. Meade$3,759
    Madison$3,759
    Youngstown$1,809

    JB Elmendorf-Richardson is #61 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 JB Elmendorf-Richardson0 – $4,161 / month
    E-1$2,277
    E-2$2,277
    E-3$2,277
    E-4$2,277
    E-5$2,874
    E-6$2,892
    E-7$3,045
    E-8$3,240
    E-9$3,486
    W-1$2,895
    W-2$3,123
    W-3$3,369
    W-4$3,528
    W-5$3,723
    O-1E$3,078
    O-2E$3,333
    O-3E$3,558
    O-1$2,886
    O-2$2,889
    O-3$3,360
    O-4$3,789
    O-5$4,095
    O-6$4,131
    O-7$4,161

    Promoting to O-5 here adds $306 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 JB Elmendorf-Richardson to Westchester County at O-4 is worth $3,681 a month — about 12 promotions worth of housing allowance, at $306 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. $3,789 a month of BAH takes more than $3,789 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.