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 Madison draws $3,096 per month in 2026

    Permalinkbahratedesk.com/madison-wi/o-4/without/ExcelCSVDownloads cover this station.
    Madison, WI
    O-4 · without dependents
    $3,096/ month
    $37,152 / year
    At O-4, this is #73 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA WI316 · ZIPs 53508 53515 53517 53523 53527 53528 +48 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,969 / mo gross
    Other dependency status here$3,759 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Madison — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,394$1,797
    E-2$2,394$1,797
    E-3$2,394$1,797
    E-4$2,394$1,797
    E-5$2,655$1,995
    E-6$2,889$2,166
    E-7$3,084$2,406
    E-8$3,297$2,706
    E-9$3,525$2,769
    Warrant officer
    W-1$2,910$2,313
    W-2$3,171$2,703
    W-3$3,435$2,778
    W-4$3,558$2,931
    W-5$3,711$3,132
    Officer — prior enlisted
    O-1E$3,123$2,652
    O-2E$3,396$2,754
    O-3E$3,582$2,880
    Officer
    O-1$2,691$2,133
    O-2$2,886$2,571
    O-3$3,426$2,799
    O-4$3,759$3,096
    O-5$3,993$3,216
    O-6$4,026$3,414
    O-7$4,056$3,474
    PCS compareMadison · O-4 · $3,096/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▼ CUT−$231−$2,772/yr · like −$3,554 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Beale AFB$3,126
    Cape May$3,108
    Denver$3,108
    County Cost Group 870$3,096
    Madison$3,096
    Hampden County$3,075
    Stockton$3,075
    Austin$3,054
    JB Elmendorf-Richardson$3,051
    Youngstown$1,497

    Madison is #73 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 Madison0 – $3,474 / month
    E-1$1,797
    E-2$1,797
    E-3$1,797
    E-4$1,797
    E-5$1,995
    E-6$2,166
    E-7$2,406
    E-8$2,706
    E-9$2,769
    W-1$2,313
    W-2$2,703
    W-3$2,778
    W-4$2,931
    W-5$3,132
    O-1E$2,652
    O-2E$2,754
    O-3E$2,880
    O-1$2,133
    O-2$2,571
    O-3$2,799
    O-4$3,096
    O-5$3,216
    O-6$3,414
    O-7$3,474

    Promoting to O-5 here adds $120 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 Madison to Westchester County at O-4 is worth $2,778 a month — about 23 promotions worth of housing allowance, at $120 per grade here.

    02

    Dependency status is worth 21% 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. $3,096 a month of BAH takes more than $3,096 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.