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
    WithWithout

    O-4 with dependents at New Haven draws $4,275 per month in 2026

    Permalinkbahratedesk.com/new-haven-fairfield-ct/o-4/with/ExcelCSVDownloads cover this station.
    New Haven/Fairfield, CT
    O-4 · with dependents
    $4,275/ month
    $51,300 / year
    At O-4, this is #42 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA CT051 · ZIPs 06011 06401 06403 06404 06405 06408 +183 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$5,481 / mo gross
    Other dependency status here$3,759 without dependents
    In government quarters, no dependents$50.10 / mo partial
    New Haven — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,955$2,361
    E-2$2,955$2,361
    E-3$2,955$2,361
    E-4$2,955$2,361
    E-5$3,069$2,673
    E-6$3,723$2,847
    E-7$3,768$2,958
    E-8$3,813$3,201
    E-9$3,963$3,396
    Warrant officer
    W-1$3,744$2,928
    W-2$3,786$3,198
    W-3$3,846$3,420
    W-4$4,005$3,729
    W-5$4,206$3,774
    Officer — prior enlisted
    O-1E$3,771$3,066
    O-2E$3,834$3,354
    O-3E$4,038$3,717
    Officer
    O-1$3,150$2,841
    O-2$3,714$3,036
    O-3$3,843$3,483
    O-4$4,275$3,759
    O-5$4,590$3,780
    O-6$4,629$3,822
    O-7$4,665$3,888
    PCS compareNew Haven · O-4 · $4,275/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$879−$10,548/yr · like −$13,523 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    West Palm Beach$4,443
    Washington$4,410
    Providence$4,317
    Worcester$4,296
    New Haven$4,275
    County Cost Group 890$4,236
    Warrenton$4,206
    Hartford$4,128
    Hawaii County$4,128
    Youngstown$1,809

    New Haven is #42 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 New Haven0 – $4,665 / month
    E-1$2,955
    E-2$2,955
    E-3$2,955
    E-4$2,955
    E-5$3,069
    E-6$3,723
    E-7$3,768
    E-8$3,813
    E-9$3,963
    W-1$3,744
    W-2$3,786
    W-3$3,846
    W-4$4,005
    W-5$4,206
    O-1E$3,771
    O-2E$3,834
    O-3E$4,038
    O-1$3,150
    O-2$3,714
    O-3$3,843
    O-4$4,275
    O-5$4,590
    O-6$4,629
    O-7$4,665

    Promoting to O-5 here adds $315 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 New Haven to Westchester County at O-4 is worth $3,195 a month — about 10 promotions worth of housing allowance, at $315 per grade here.

    02

    Dependency status is worth 14% 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. $4,275 a month of BAH takes more than $4,275 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.