What is W-4 BAH at Ketchikan in 2026?

$3,480 per month with dependents ($41,760 per year), effective 01 JAN 2026. without dependents it is $2,892 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

W-4 BAH at Ketchikan 2026 — $3,480/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Ketchikan, AK

W-4 · with dependents

$3,480/ month

$41,760 / year

At W-4, this is #71 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779

MHA AK400 · ZIPs 99830 99833 99901 99903 99918 99919 +9 more

Your grade is calledARMYCW4USMCCWO4NAVYCWO4

Untaxed — matching it with taxable pay takes$4,462 / mo gross

Other dependency status here$2,892 without dependents

In government quarters, no dependents$50.10 / mo partial

Ketchikan — full sheetTap a row

Grade	With 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

What this rate means

W-4 with dependents, nearest stations0 – $6,963 / month

Westchester County$6,963

Ann Arbor$3,528

Willow Grove$3,525

Quantico$3,489

San Bernardino$3,489

Ketchikan$3,480

Stockton$3,477

Eglin AFB$3,456

New London$3,441

County Cost Group 870$3,408

Stevens Point$1,779

Ketchikan is #71 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 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 W-5 here adds $180 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Ketchikan to Westchester County at W-4 is worth $3,483 a month — about 19 promotions worth of housing allowance, at $180 per grade here.

Dependency status is worth 20% 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.

None of it is taxed. $3,480 a month of BAH takes more than $3,480 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

W-4 with dependents at Ketchikan draws $3,480 per month in 2026

What this rate means

Things the rate table doesn't tell you