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 Manchester draws $4,512 per month in 2026

    Permalinkbahratedesk.com/manchester-concord-nh/o-4/with/ExcelCSVDownloads cover this station.
    Manchester/Concord, NH
    O-4 · with dependents
    $4,512/ month
    $54,144 / year
    At O-4, this is #36 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA NH195 · ZIPs 03031 03033 03043 03045 03046 03047 +63 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$5,785 / mo gross
    Other dependency status here$3,801 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Manchester — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,994$2,250
    E-2$2,994$2,250
    E-3$2,994$2,250
    E-4$2,994$2,250
    E-5$3,177$2,613
    E-6$3,525$2,823
    E-7$3,783$2,997
    E-8$4,065$3,252
    E-9$4,320$3,348
    Warrant officer
    W-1$3,546$2,940
    W-2$3,897$3,249
    W-3$4,245$3,363
    W-4$4,347$3,582
    W-5$4,473$3,846
    Officer — prior enlisted
    O-1E$3,837$3,174
    O-2E$4,194$3,327
    O-3E$4,365$3,516
    Officer
    O-1$3,225$2,805
    O-2$3,522$3,120
    O-3$4,233$3,396
    O-4$4,512$3,801
    O-5$4,707$3,960
    O-6$4,746$4,224
    O-7$4,782$4,299
    PCS compareManchester · O-4 · $4,512/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$1,116−$13,392/yr · like −$17,169 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Burlington$4,584
    Marin$4,563
    Seattle$4,554
    Ventura$4,545
    Manchester$4,512
    Newport$4,446
    West Palm Beach$4,443
    Washington$4,410
    Providence$4,317
    Youngstown$1,809

    Manchester is #36 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 Manchester0 – $4,782 / month
    E-1$2,994
    E-2$2,994
    E-3$2,994
    E-4$2,994
    E-5$3,177
    E-6$3,525
    E-7$3,783
    E-8$4,065
    E-9$4,320
    W-1$3,546
    W-2$3,897
    W-3$4,245
    W-4$4,347
    W-5$4,473
    O-1E$3,837
    O-2E$4,194
    O-3E$4,365
    O-1$3,225
    O-2$3,522
    O-3$4,233
    O-4$4,512
    O-5$4,707
    O-6$4,746
    O-7$4,782

    Promoting to O-5 here adds $195 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 Manchester to Westchester County at O-4 is worth $2,958 a month — about 15 promotions worth of housing allowance, at $195 per grade here.

    02

    Dependency status is worth 19% 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. $4,512 a month of BAH takes more than $4,512 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.