What is O-4 BAH at Moody AFB in 2026?

$2,340 per month with dependents ($28,080 per year), effective 01 JAN 2026. without dependents it is $1,941 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-4 BAH at Moody AFB 2026 — $2,340/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Moody AFB, GA

O-4 · with dependents

$2,340/ month

$28,080 / year

At O-4, this is #275 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA GA081 · ZIPs 31601 31602 31603 31604 31605 31606 +20 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,000 / mo gross

Other dependency status here$1,941 without dependents

In government quarters, no dependents$50.10 / mo partial

Moody AFB — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,503	$1,320
E-2	$1,503	$1,320
E-3	$1,503	$1,320
E-4	$1,503	$1,320
E-5	$1,524	$1,416
E-6	$1,917	$1,479
E-7	$1,950	$1,512
E-8	$1,980	$1,608
E-9	$2,097	$1,722
Warrant officer
W-1	$1,938	$1,509
W-2	$1,962	$1,605
W-3	$2,007	$1,737
W-4	$2,130	$1,920
W-5	$2,289	$1,956
Officer — prior enlisted
O-1E	$1,953	$1,524
O-2E	$1,995	$1,695
O-3E	$2,157	$1,911
Officer
O-1	$1,578	$1,476
O-2	$1,914	$1,521
O-3	$2,004	$1,773
O-4	$2,340	$1,941
O-5	$2,589	$1,959
O-6	$2,607	$1,980
O-7	$2,622	$2,013

What this rate means

O-4 with dependents, nearest stations0 – $7,470 / month

Westchester County$7,470

Camp Lejeune$2,355

Fort Bliss$2,352

County Cost Group 740$2,343

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

Youngstown$1,809

Moody AFB is #275 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 Moody AFB0 – $2,622 / month

E-1$1,503

E-2$1,503

E-3$1,503

E-4$1,503

E-5$1,524

E-6$1,917

E-7$1,950

E-8$1,980

E-9$2,097

W-1$1,938

W-2$1,962

W-3$2,007

W-4$2,130

W-5$2,289

O-1E$1,953

O-2E$1,995

O-3E$2,157

O-1$1,578

O-2$1,914

O-3$2,004

O-4$2,340

O-5$2,589

O-6$2,607

O-7$2,622

Promoting to O-5 here adds $249 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Moody AFB to Westchester County at O-4 is worth $5,130 a month — about 21 promotions worth of housing allowance, at $249 per grade here.

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.

None of it is taxed. $2,340 a month of BAH takes more than $2,340 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-4 with dependents at Moody AFB draws $2,340 per month in 2026

What this rate means

Things the rate table doesn't tell you