O-4 with dependents, nearest stations0 – $7,470 / month
Westchester County$7,470
New York City$6,459
San Francisco$6,444
Nantucket$6,306
Maui County$6,045
Boston$5,928
Santa Clara County$5,856
Florida Keys$5,655
Youngstown$1,809
Nantucket is #4 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 Nantucket0 – $7,053 / month
E-1$4,218
E-2$4,218
E-3$4,218
E-4$4,218
E-5$4,344
E-6$5,127
E-7$5,241
E-8$5,364
E-9$5,682
W-1$5,148
W-2$5,292
W-3$5,445
W-4$5,772
W-5$6,165
O-1E$5,262
O-2E$5,421
O-3E$5,832
O-1$4,440
O-2$5,115
O-3$5,442
O-4$6,306
O-5$6,933
O-6$6,993
O-7$7,053
Promoting to O-5 here adds $627 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 Nantucket to Westchester County at O-4 is worth $1,164 a month — about 2 promotions worth of housing allowance, at $627 per grade here.
02
Dependency status is worth 20% 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. $6,306 a month of BAH takes more than $6,306 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.