What is E-4 BAH at Rock Island in 2026?

$1,722 per month with dependents ($20,664 per year), effective 01 JAN 2026. without dependents it is $1,389 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.

E-4 BAH at Rock Island 2026 — $1,722/mo with dependents

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

Rock Island, IL

E-4 · with dependents

$1,722/ month

$20,664 / year

At E-4, this is #214 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134

MHA IL089 · ZIPs 52722 52726 52728 52745 52746 52748 +37 more

Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA

Untaxed — matching it with taxable pay takes$2,208 / mo gross

Other dependency status here$1,389 without dependents

In government quarters, no dependents$50.10 / mo partial

Rock Island — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,722	$1,389
E-2	$1,722	$1,389
E-3	$1,722	$1,389
E-4	$1,722	$1,389
E-5	$1,908	$1,476
E-6	$2,238	$1,680
E-7	$2,262	$1,728
E-8	$2,283	$1,980
E-9	$2,388	$2,073
Warrant officer
W-1	$2,259	$1,695
W-2	$2,268	$1,977
W-3	$2,301	$2,085
W-4	$2,421	$2,238
W-5	$2,577	$2,262
Officer — prior enlisted
O-1E	$2,265	$1,905
O-2E	$2,292	$2,052
O-3E	$2,448	$2,232
Officer
O-1	$1,956	$1,533
O-2	$2,235	$1,851
O-3	$2,298	$2,118
O-4	$2,628	$2,250
O-5	$2,868	$2,265
O-6	$2,892	$2,277
O-7	$2,910	$2,313

What this rate means

E-4 with dependents, nearest stations0 – $5,067 / month

New York City$5,067

Yakima$1,731

Bangor$1,728

San Antonio (JBSA)$1,728

Fort Bragg$1,722

Rock Island$1,722

Lexington$1,713

Shreveport$1,701

Battle Creek$1,698

Davis-Monthan AFB$1,695

Youngstown$1,134

Rock Island is #214 of 338. The spread between the dearest and cheapest station at this grade is $3,933 a month — $47,196 a year, untaxed.

Every pay grade at Rock Island0 – $2,910 / month

E-1$1,722

E-2$1,722

E-3$1,722

E-4$1,722

E-5$1,908

E-6$2,238

E-7$2,262

E-8$2,283

E-9$2,388

W-1$2,259

W-2$2,268

W-3$2,301

W-4$2,421

W-5$2,577

O-1E$2,265

O-2E$2,292

O-3E$2,448

O-1$1,956

O-2$2,235

O-3$2,298

O-4$2,628

O-5$2,868

O-6$2,892

O-7$2,910

Promoting to E-5 here adds $186 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 Rock Island to New York City at E-4 is worth $3,345 a month — about 18 promotions worth of housing allowance, at $186 per grade here.

Dependency status is worth 24% 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. $1,722 a month of BAH takes more than $1,722 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.

E-4 with dependents at Rock Island draws $1,722 per month in 2026

What this rate means

Things the rate table doesn't tell you