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 $2,298Without $1,815

    O-4 at Montgomery draws $2,298 per month with dependents in 2026, $1,815 without

    Permalinkbahratedesk.com/montgomery-al/o-4/ExcelCSVDownloads cover this station.
    Montgomery, AL
    O-4 · with dependents
    $2,298/ month
    $27,576 / year
    At O-4, this is #284 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA AL005 · ZIPs 36003 36006 36008 36013 36020 36022 +65 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,946 / mo gross
    Without dependents here$1,815 / mo
    In government quarters, no dependents$50.10 / mo partial
    Montgomery — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,605$1,269
    E-2$1,605$1,269
    E-3$1,605$1,269
    E-4$1,605$1,269
    E-5$1,683$1,431
    E-6$1,758$1,527
    E-7$1,818$1,605
    E-8$1,887$1,704
    E-9$2,034$1,713
    Warrant officer
    W-1$1,773$1,590
    W-2$1,845$1,701
    W-3$1,935$1,719
    W-4$2,073$1,764
    W-5$2,244$1,833
    Officer — prior enlisted
    O-1E$1,827$1,680
    O-2E$1,920$1,710
    O-3E$2,100$1,746
    Officer
    O-1$1,701$1,524
    O-2$1,755$1,662
    O-3$1,932$1,725
    O-4$2,298$1,815
    O-5$2,565$1,923
    O-6$2,583$1,938
    O-7$2,598$1,950
    PCS compareMontgomery · O-4 · $2,298/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$1,098+$13,176/yr · like +$16,892 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    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
    Youngstown$1,809

    Montgomery is #284 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

    Promoting to O-5 here adds $267 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 Montgomery to Westchester County at O-4 is worth $5,172 a month — about 19 promotions worth of housing allowance, at $267 per grade here.

    02

    Dependency status is worth 27% 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. $2,298 a month of BAH takes more than $2,298 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.