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 $3,156Without $2,973

    W-4 at Philadelphia draws $3,156 per month with dependents in 2026, $2,973 without

    Permalinkbahratedesk.com/philadelphia-pa-camden-nj/w-4/ExcelCSVDownloads cover this station.
    Philadelphia, PA/Camden, NJ
    W-4 · with dependents
    $3,156/ month
    $37,872 / year
    At W-4, this is #97 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779
    MHA PA248 · ZIPs 08001 08002 08003 08004 08007 08009 +255 more
    Your grade is calledARMYCW4USMCCWO4NAVYCWO4
    Untaxed — matching it with taxable pay takes$4,046 / mo gross
    Without dependents here$2,973 / mo
    In government quarters, no dependents$50.10 / mo partial
    Philadelphia — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,448$1,893
    E-2$2,448$1,893
    E-3$2,448$1,893
    E-4$2,448$1,893
    E-5$2,691$2,091
    E-6$2,979$2,232
    E-7$3,000$2,457
    E-8$3,009$2,754
    E-9$3,111$2,832
    Warrant officer
    W-1$2,997$2,373
    W-2$3,006$2,751
    W-3$3,018$2,844
    W-4$3,156$2,973
    W-5$3,366$2,982
    Officer — prior enlisted
    O-1E$3,003$2,688
    O-2E$3,012$2,814
    O-3E$3,189$2,970
    Officer
    O-1$2,733$2,205
    O-2$2,976$2,613
    O-3$3,015$2,871
    O-4$3,435$2,976
    O-5$3,759$2,985
    O-6$3,789$2,988
    O-7$3,816$3,018
    PCS comparePhiladelphia · W-4 · $3,156/mo
    Aberdeen Proving Grounds$3,198/mo · $38,376/yr
    ▲ RAISE+$42+$504/yr · like +$646 of salary

    What this rate means

    W-4 with dependents, nearest stations0 – $6,963 / month
    Westchester County$6,963
    Whidbey Island$3,174
    Port Angeles$3,159
    Charlottesville$3,156
    Great Lakes Navtracen$3,156
    Philadelphia$3,156
    Sacramento$3,144
    Tampa$3,141
    Traverse City$3,141
    Oxford$3,135
    Stevens Point$1,779

    Philadelphia is #97 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 a year, untaxed.

    Every pay grade at Philadelphia0 – $3,816 / month
    E-1$2,448
    E-2$2,448
    E-3$2,448
    E-4$2,448
    E-5$2,691
    E-6$2,979
    E-7$3,000
    E-8$3,009
    E-9$3,111
    W-1$2,997
    W-2$3,006
    W-3$3,018
    W-4$3,156
    W-5$3,366
    O-1E$3,003
    O-2E$3,012
    O-3E$3,189
    O-1$2,733
    O-2$2,976
    O-3$3,015
    O-4$3,435
    O-5$3,759
    O-6$3,789
    O-7$3,816

    Promoting to W-5 here adds $210 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 Philadelphia to Westchester County at W-4 is worth $3,807 a month — about 18 promotions worth of housing allowance, at $210 per grade here.

    02

    Dependency status is worth 6% 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. $3,156 a month of BAH takes more than $3,156 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.