What is W-4 BAH at Roanoke in 2026?

$2,409 per month with dependents ($28,908 per year), effective 01 JAN 2026. Without dependents it is $2,091 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.

W-4 BAH at Roanoke 2026 — $2,409 with dependents, $2,091 without

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

Roanoke, VA

W-4 · with dependents

$2,409/ month

$28,908 / year

At W-4, this is #220 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779

MHA VA362 · ZIPs 24001 24002 24003 24004 24005 24006 +46 more

Your grade is calledARMYCW4USMCCWO4NAVYCWO4

Untaxed — matching it with taxable pay takes$3,088 / mo gross

Without dependents here$2,091 / mo

In government quarters, no dependents$50.10 / mo partial

Roanoke — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,743	$1,308
E-2	$1,743	$1,308
E-3	$1,743	$1,308
E-4	$1,743	$1,308
E-5	$1,911	$1,470
E-6	$2,079	$1,584
E-7	$2,157	$1,746
E-8	$2,244	$1,953
E-9	$2,379	$1,989
Warrant officer
W-1	$2,094	$1,695
W-2	$2,193	$1,950
W-3	$2,304	$1,998
W-4	$2,409	$2,091
W-5	$2,541	$2,175
Officer — prior enlisted
O-1E	$2,172	$1,908
O-2E	$2,286	$1,980
O-3E	$2,430	$2,067
Officer
O-1	$1,941	$1,569
O-2	$2,076	$1,860
O-3	$2,301	$2,013
O-4	$2,583	$2,154
O-5	$2,787	$2,202
O-6	$2,808	$2,280
O-7	$2,826	$2,319

What this rate means

W-4 with dependents, nearest stations0 – $6,963 / month

Westchester County$6,963

Ogden$2,436

Fort Hood$2,433

Kansas City$2,430

Rock Island$2,421

Roanoke$2,409

Memphis$2,394

Fallon NAS$2,391

Shreveport$2,382

Bismarck$2,379

Stevens Point$1,779

Roanoke is #220 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 Roanoke0 – $2,826 / month

E-1$1,743

E-2$1,743

E-3$1,743

E-4$1,743

E-5$1,911

E-6$2,079

E-7$2,157

E-8$2,244

E-9$2,379

W-1$2,094

W-2$2,193

W-3$2,304

W-4$2,409

W-5$2,541

O-1E$2,172

O-2E$2,286

O-3E$2,430

O-1$1,941

O-2$2,076

O-3$2,301

O-4$2,583

O-5$2,787

O-6$2,808

O-7$2,826

Promoting to W-5 here adds $132 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 Roanoke to Westchester County at W-4 is worth $4,554 a month — about 35 promotions worth of housing allowance, at $132 per grade here.

Dependency status is worth 15% 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. $2,409 a month of BAH takes more than $2,409 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.

W-4 at Roanoke draws $2,409 per month with dependents in 2026, $2,091 without

What this rate means

Things the rate table doesn't tell you