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 $2,343Without $1,869

    O-4 at Lubbock draws $2,343 per month with dependents in 2026, $1,869 without

    Permalinkbahratedesk.com/lubbock-tx/o-4/ExcelCSVDownloads cover this station.
    Lubbock, TX
    O-4 · with dependents
    $2,343/ month
    $28,116 / year
    At O-4, this is #274 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA TX283 · ZIPs 79329 79350 79363 79364 79366 79382 +26 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,004 / mo gross
    Without dependents here$1,869 / mo
    In government quarters, no dependents$50.10 / mo partial
    Lubbock — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,416$1,146
    E-2$1,416$1,146
    E-3$1,416$1,146
    E-4$1,416$1,146
    E-5$1,476$1,272
    E-6$1,812$1,356
    E-7$1,875$1,413
    E-8$1,941$1,548
    E-9$2,082$1,641
    Warrant officer
    W-1$1,830$1,407
    W-2$1,902$1,545
    W-3$1,986$1,656
    W-4$2,121$1,821
    W-5$2,289$1,887
    Officer — prior enlisted
    O-1E$1,884$1,473
    O-2E$1,971$1,620
    O-3E$2,145$1,803
    Officer
    O-1$1,524$1,350
    O-2$1,809$1,461
    O-3$1,983$1,689
    O-4$2,343$1,869
    O-5$2,604$1,953
    O-6$2,622$1,968
    O-7$2,637$1,995
    PCS compareLubbock · O-4 · $2,343/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,053+$12,636/yr · like +$16,200 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Sumter$2,361
    Camp Lejeune$2,355
    Fort Bliss$2,352
    County Cost Group 740$2,343
    Lubbock$2,343
    Moody AFB$2,340
    Sioux Falls$2,340
    St Mary And Terrebonne$2,331
    Little Rock$2,328
    Youngstown$1,809

    Lubbock is #274 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 Lubbock0 – $2,637 / month
    E-1$1,416
    E-2$1,416
    E-3$1,416
    E-4$1,416
    E-5$1,476
    E-6$1,812
    E-7$1,875
    E-8$1,941
    E-9$2,082
    W-1$1,830
    W-2$1,902
    W-3$1,986
    W-4$2,121
    W-5$2,289
    O-1E$1,884
    O-2E$1,971
    O-3E$2,145
    O-1$1,524
    O-2$1,809
    O-3$1,983
    O-4$2,343
    O-5$2,604
    O-6$2,622
    O-7$2,637

    Promoting to O-5 here adds $261 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 Lubbock to Westchester County at O-4 is worth $5,127 a month — about 20 promotions worth of housing allowance, at $261 per grade here.

    02

    Dependency status is worth 25% 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. $2,343 a month of BAH takes more than $2,343 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.