What is O-4 BAH at Phoenix in 2026?

$2,646 per month with dependents ($31,752 per year), effective 01 JAN 2026. without dependents it is $2,451 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 Phoenix 2026 — $2,646/mo with dependents

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

Phoenix, AZ

O-4 · with dependents

$2,646/ month

$31,752 / year

At O-4, this is #203 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA AZ013 · ZIPs 85001 85002 85003 85004 85005 85006 +216 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,392 / mo gross

Other dependency status here$2,451 without dependents

In government quarters, no dependents$50.10 / mo partial

Phoenix — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,061	$1,587
E-2	$2,061	$1,587
E-3	$2,061	$1,587
E-4	$2,061	$1,587
E-5	$2,289	$1,740
E-6	$2,457	$1,857
E-7	$2,475	$2,070
E-8	$2,484	$2,331
E-9	$2,517	$2,367
Warrant officer
W-1	$2,472	$1,992
W-2	$2,481	$2,328
W-3	$2,493	$2,376
W-4	$2,535	$2,448
W-5	$2,622	$2,460
Officer — prior enlisted
O-1E	$2,478	$2,286
O-2E	$2,487	$2,358
O-3E	$2,547	$2,445
Officer
O-1	$2,319	$1,830
O-2	$2,454	$2,217
O-3	$2,490	$2,391
O-4	$2,646	$2,451
O-5	$2,775	$2,463
O-6	$2,796	$2,466
O-7	$2,814	$2,487

What this rate means

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

Westchester County$7,470

Albuquerque$2,670

Johnson City$2,664

Mountain Home AFB$2,658

Fort Drum$2,655

Phoenix$2,646

Eastern Shore$2,643

Fayetteville$2,640

Fort Worth$2,640

Marquette$2,634

Youngstown$1,809

Phoenix is #203 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 Phoenix0 – $2,814 / month

E-1$2,061

E-2$2,061

E-3$2,061

E-4$2,061

E-5$2,289

E-6$2,457

E-7$2,475

E-8$2,484

E-9$2,517

W-1$2,472

W-2$2,481

W-3$2,493

W-4$2,535

W-5$2,622

O-1E$2,478

O-2E$2,487

O-3E$2,547

O-1$2,319

O-2$2,454

O-3$2,490

O-4$2,646

O-5$2,775

O-6$2,796

O-7$2,814

Promoting to O-5 here adds $129 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 Phoenix to Westchester County at O-4 is worth $4,824 a month — about 37 promotions worth of housing allowance, at $129 per grade here.

Dependency status is worth 8% 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. $2,646 a month of BAH takes more than $2,646 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 with dependents at Phoenix draws $2,646 per month in 2026

What this rate means

Things the rate table doesn't tell you