Official data current

Montgomery BAH rates

Verified · Effective 2026-01-01 · MHA AL005

Don't know your pay grade? Use a rank name
Rank name

Press Enter to look it up.

O-4 · With dependents
$2,298per month

$27,576 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #283 of 338O-4 · with dependents reference
Taxable-pay equivalent$2,946/mo Using the stated 22% comparison rate
Year-over-year change+$57/mo · +2.5%2025 $2,241 → 2026 $2,298
O-4 rate selectedMHA AL005 ZIPs 36003 36006 36008 36013 36020 36022 +65
PCS compare Montgomery · O-4 · with dep. · $2,298/mo
Montgomery $2,298/mo · $27,576/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Open full comparison

Rate history

How updates work
2025$2,241
2026$2,298

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Montgomery — full sheet Tap a row

What this rate means

O-4 with dependents, nearest stations0 – $7,470 / month
Westchester County $7,470
Lubbock $2,343
Moody AFB $2,340
Sioux Falls $2,340
St Mary And Terrebonne $2,331
Little Rock $2,328
Sault Ste Marie $2,325
Goodfellow AFB $2,322
San Antonio (JBSA) $2,307
County Cost Group 730 $2,304
Lafayette $2,298
Montgomery $2,298
Fort Benning $2,295
Beaumont $2,289
Peoria $2,283
Yuma $2,283
County Cost Group 720 $2,277
Albany $2,271
Alexandria $2,268
Lake Charles $2,265
County Cost Group 710 $2,253
White Sands MR $2,241
Youngstown $1,809

Montgomery is #283 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 Montgomery0 – $2,598 / month
E-1 $1,605
E-2 $1,605
E-3 $1,605
E-4 $1,605
E-5 $1,683
E-6 $1,758
E-7 $1,818
E-8 $1,887
E-9 $2,034
W-1 $1,773
W-2 $1,845
W-3 $1,935
W-4 $2,073
W-5 $2,244
O-1E $1,827
O-2E $1,920
O-3E $2,100
O-1 $1,701
O-2 $1,755
O-3 $1,932
O-4 $2,298
O-5 $2,565
O-6 $2,583
O-7 $2,598

The pay chart moves this allowance far less than the map does.

Moving from Montgomery to Westchester County at O-4 is worth $5,172 a month — about 19 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…