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 Kauai County draws $4,416 per month in 2026

    Permalinkbahratedesk.com/kauai-county-hi/o-4/without/ExcelCSVDownloads cover this station.
    Kauai County, HI
    O-4 · without dependents
    $4,416/ month
    $52,992 / year
    At O-4, this is #14 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA HI414 · ZIPs 96703 96705 96714 96715 96716 96722 +11 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$5,662 / mo gross
    Other dependency status here$5,376 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Kauai County — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,588$2,757
    E-2$3,588$2,757
    E-3$3,588$2,757
    E-4$3,588$2,757
    E-5$3,798$3,162
    E-6$4,266$3,399
    E-7$4,410$3,597
    E-8$4,566$3,897
    E-9$4,863$4,032
    Warrant officer
    W-1$4,287$3,525
    W-2$4,476$3,894
    W-3$4,668$4,050
    W-4$4,938$4,296
    W-5$5,262$4,446
    Officer — prior enlisted
    O-1E$4,440$3,795
    O-2E$4,638$4,002
    O-3E$4,986$4,260
    Officer
    O-1$3,861$3,375
    O-2$4,260$3,732
    O-3$4,662$4,095
    O-4$5,376$4,416
    O-5$5,892$4,503
    O-6$5,943$4,647
    O-7$5,991$4,731
    PCS compareKauai County · O-4 · $4,416/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▼ CUT−$1,551−$18,612/yr · like −$23,862 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Martha's Vineyard$4,758
    Hanscom AFB$4,584
    Camp Pendleton$4,494
    San Diego$4,440
    Kauai County$4,416
    Florida Keys$4,374
    Staten Island$4,341
    Los Angeles$4,314
    Monterey$4,245
    Youngstown$1,497

    Kauai County is #14 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 Kauai County0 – $4,731 / month
    E-1$2,757
    E-2$2,757
    E-3$2,757
    E-4$2,757
    E-5$3,162
    E-6$3,399
    E-7$3,597
    E-8$3,897
    E-9$4,032
    W-1$3,525
    W-2$3,894
    W-3$4,050
    W-4$4,296
    W-5$4,446
    O-1E$3,795
    O-2E$4,002
    O-3E$4,260
    O-1$3,375
    O-2$3,732
    O-3$4,095
    O-4$4,416
    O-5$4,503
    O-6$4,647
    O-7$4,731

    Promoting to O-5 here adds $87 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 Kauai County to Westchester County at O-4 is worth $1,458 a month — about 17 promotions worth of housing allowance, at $87 per grade here.

    02

    Dependency status is worth 22% 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. $4,416 a month of BAH takes more than $4,416 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.