What is O-4 BAH at Oklahoma City in 2026?

$2,184 per month with dependents ($26,208 per year), effective 01 JAN 2026. Without dependents it is $1,890 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 Oklahoma City 2026 — $2,184 with dependents, $1,890 without

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

Oklahoma City, OK

O-4 · with dependents

$2,184/ month

$26,208 / year

At O-4, this is #304 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA OK239 · ZIPs 73003 73007 73008 73012 73013 73014 +101 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$2,800 / mo gross

Without dependents here$1,890 / mo

In government quarters, no dependents$50.10 / mo partial

Oklahoma City — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,542	$1,248
E-2	$1,542	$1,248
E-3	$1,542	$1,248
E-4	$1,542	$1,248
E-5	$1,644	$1,365
E-6	$1,854	$1,443
E-7	$1,896	$1,542
E-8	$1,944	$1,692
E-9	$2,034	$1,743
Warrant officer
W-1	$1,869	$1,518
W-2	$1,914	$1,689
W-3	$1,977	$1,752
W-4	$2,055	$1,854
W-5	$2,157	$1,905
Officer — prior enlisted
O-1E	$1,902	$1,641
O-2E	$1,965	$1,731
O-3E	$2,070	$1,842
Officer
O-1	$1,677	$1,434
O-2	$1,851	$1,614
O-3	$1,974	$1,773
O-4	$2,184	$1,890
O-5	$2,337	$1,911
O-6	$2,355	$1,953
O-7	$2,367	$1,986

What this rate means

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

Westchester County$7,470

Meridian$2,202

County Cost Group 680$2,199

Fort Chaffee$2,199

County Cost Group 670$2,187

Oklahoma City$2,184

Frankfort$2,178

County Cost Group 660$2,175

Holloman AFB$2,175

Fort Riley$2,169

Youngstown$1,809

Oklahoma City is #304 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 Oklahoma City0 – $2,367 / month

E-1$1,542

E-2$1,542

E-3$1,542

E-4$1,542

E-5$1,644

E-6$1,854

E-7$1,896

E-8$1,944

E-9$2,034

W-1$1,869

W-2$1,914

W-3$1,977

W-4$2,055

W-5$2,157

O-1E$1,902

O-2E$1,965

O-3E$2,070

O-1$1,677

O-2$1,851

O-3$1,974

O-4$2,184

O-5$2,337

O-6$2,355

O-7$2,367

Promoting to O-5 here adds $153 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 Oklahoma City to Westchester County at O-4 is worth $5,286 a month — about 35 promotions worth of housing allowance, at $153 per grade here.

Dependency status is worth 16% 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. $2,184 a month of BAH takes more than $2,184 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 at Oklahoma City draws $2,184 per month with dependents in 2026, $1,890 without

What this rate means

Things the rate table doesn't tell you