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 with dependents at Ketchikan draws $3,720 per month in 2026

    Permalinkbahratedesk.com/ketchikan-ak/o-4/with/ExcelCSVDownloads cover this station.
    Ketchikan, AK
    O-4 · with dependents
    $3,720/ month
    $44,640 / year
    At O-4, this is #69 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA AK400 · ZIPs 99830 99833 99901 99903 99918 99919 +9 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,769 / mo gross
    Other dependency status here$3,036 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Ketchikan — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,646$1,986
    E-2$2,646$1,986
    E-3$2,646$1,986
    E-4$2,646$1,986
    E-5$2,868$2,151
    E-6$2,886$2,163
    E-7$3,027$2,382
    E-8$3,213$2,682
    E-9$3,441$2,739
    Warrant officer
    W-1$2,889$2,289
    W-2$3,102$2,679
    W-3$3,336$2,751
    W-4$3,480$2,892
    W-5$3,660$3,069
    Officer — prior enlisted
    O-1E$3,060$2,631
    O-2E$3,300$2,727
    O-3E$3,510$2,847
    Officer
    O-1$2,880$2,160
    O-2$2,883$2,550
    O-3$3,327$2,772
    O-4$3,720$3,036
    O-5$4,002$3,141
    O-6$4,035$3,315
    O-7$4,065$3,372
    PCS compareKetchikan · O-4 · $3,720/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$324−$3,888/yr · like −$4,985 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Madison$3,759
    Quantico$3,753
    Hampden County$3,747
    Stockton$3,738
    Ketchikan$3,720
    Willow Grove$3,714
    New London$3,654
    Cape May$3,639
    Sitka$3,639
    Youngstown$1,809

    Ketchikan is #69 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 Ketchikan0 – $4,065 / month
    E-1$2,646
    E-2$2,646
    E-3$2,646
    E-4$2,646
    E-5$2,868
    E-6$2,886
    E-7$3,027
    E-8$3,213
    E-9$3,441
    W-1$2,889
    W-2$3,102
    W-3$3,336
    W-4$3,480
    W-5$3,660
    O-1E$3,060
    O-2E$3,300
    O-3E$3,510
    O-1$2,880
    O-2$2,883
    O-3$3,327
    O-4$3,720
    O-5$4,002
    O-6$4,035
    O-7$4,065

    Promoting to O-5 here adds $282 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 Ketchikan to Westchester County at O-4 is worth $3,750 a month — about 13 promotions worth of housing allowance, at $282 per grade here.

    02

    Dependency status is worth 23% 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. $3,720 a month of BAH takes more than $3,720 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.