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 $1,908Without $1,659

    O-4 at Monroe draws $1,908 per month with dependents in 2026, $1,659 without

    Permalinkbahratedesk.com/monroe-la/o-4/ExcelCSVDownloads cover this station.
    Monroe, LA
    O-4 · with dependents
    $1,908/ month
    $22,896 / year
    At O-4, this is #336 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA LA371 · ZIPs 71201 71202 71203 71207 71209 71210 +23 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,446 / mo gross
    Without dependents here$1,659 / mo
    In government quarters, no dependents$50.10 / mo partial
    Monroe — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,143$921
    E-2$1,143$921
    E-3$1,143$921
    E-4$1,143$921
    E-5$1,194$1,023
    E-6$1,629$1,221
    E-7$1,665$1,248
    E-8$1,704$1,284
    E-9$1,779$1,410
    Warrant officer
    W-1$1,650$1,239
    W-2$1,680$1,281
    W-3$1,731$1,428
    W-4$1,797$1,632
    W-5$1,884$1,671
    Officer — prior enlisted
    O-1E$1,668$1,254
    O-2E$1,719$1,383
    O-3E$1,812$1,623
    Officer
    O-1$1,251$1,089
    O-2$1,626$1,251
    O-3$1,728$1,470
    O-4$1,908$1,659
    O-5$2,040$1,674
    O-6$2,055$1,707
    O-7$2,064$1,734
    PCS compareMonroe · O-4 · $1,908/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,488+$17,856/yr · like +$22,892 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    County Cost Group 510$2,025
    Saginaw$1,938
    Anniston$1,935
    Cannon AFB$1,920
    Monroe$1,908
    Stevens Point$1,878
    Youngstown$1,809

    Monroe is #336 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 Monroe0 – $2,064 / month
    E-1$1,143
    E-2$1,143
    E-3$1,143
    E-4$1,143
    E-5$1,194
    E-6$1,629
    E-7$1,665
    E-8$1,704
    E-9$1,779
    W-1$1,650
    W-2$1,680
    W-3$1,731
    W-4$1,797
    W-5$1,884
    O-1E$1,668
    O-2E$1,719
    O-3E$1,812
    O-1$1,251
    O-2$1,626
    O-3$1,728
    O-4$1,908
    O-5$2,040
    O-6$2,055
    O-7$2,064

    Promoting to O-5 here adds $132 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 Monroe to Westchester County at O-4 is worth $5,562 a month — about 42 promotions worth of housing allowance, at $132 per grade here.

    02

    Dependency status is worth 15% 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. $1,908 a month of BAH takes more than $1,908 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.