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 $4,638Without $4,128

    O-4 at Perth Amboy draws $4,638 per month with dependents in 2026, $4,128 without

    Permalinkbahratedesk.com/perth-amboy-nj/o-4/ExcelCSVDownloads cover this station.
    Perth Amboy, NJ
    O-4 · with dependents
    $4,638/ month
    $55,656 / year
    At O-4, this is #30 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA NJ201 · ZIPs 07001 07008 07059 07063 07064 07067 +70 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$5,946 / mo gross
    Without dependents here$4,128 / mo
    In government quarters, no dependents$50.10 / mo partial
    Perth Amboy — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,339$2,592
    E-2$3,339$2,592
    E-3$3,339$2,592
    E-4$3,339$2,592
    E-5$3,393$3,045
    E-6$4,071$3,285
    E-7$4,134$3,339
    E-8$4,200$3,531
    E-9$4,350$3,735
    Warrant officer
    W-1$4,092$3,336
    W-2$4,161$3,528
    W-3$4,242$3,759
    W-4$4,392$4,083
    W-5$4,578$4,146
    Officer — prior enlisted
    O-1E$4,143$3,390
    O-2E$4,227$3,690
    O-3E$4,422$4,065
    Officer
    O-1$3,477$3,282
    O-2$4,065$3,381
    O-3$4,239$3,825
    O-4$4,638$4,128
    O-5$4,926$4,161
    O-6$4,968$4,221
    O-7$5,007$4,296
    PCS comparePerth Amboy · O-4 · $4,638/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$1,242−$14,904/yr · like −$19,108 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Portland$4,830
    Oakland$4,809
    Honolulu County$4,737
    Fort Monmouth$4,710
    Perth Amboy$4,638
    Fitchburg$4,587
    Burlington$4,584
    Marin$4,563
    Seattle$4,554
    Youngstown$1,809

    Perth Amboy is #30 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 Perth Amboy0 – $5,007 / month
    E-1$3,339
    E-2$3,339
    E-3$3,339
    E-4$3,339
    E-5$3,393
    E-6$4,071
    E-7$4,134
    E-8$4,200
    E-9$4,350
    W-1$4,092
    W-2$4,161
    W-3$4,242
    W-4$4,392
    W-5$4,578
    O-1E$4,143
    O-2E$4,227
    O-3E$4,422
    O-1$3,477
    O-2$4,065
    O-3$4,239
    O-4$4,638
    O-5$4,926
    O-6$4,968
    O-7$5,007

    Promoting to O-5 here adds $288 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 Perth Amboy to Westchester County at O-4 is worth $2,832 a month — about 10 promotions worth of housing allowance, at $288 per grade here.

    02

    Dependency status is worth 12% 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. $4,638 a month of BAH takes more than $4,638 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.