What is O-4 BAH at Saginaw in 2026?

$1,938 per month with dependents ($23,256 per year), effective 01 JAN 2026. without dependents it is $1,773 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 Saginaw 2026 — $1,938/mo with dependents

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

Saginaw, MI

O-4 · with dependents

$1,938/ month

$23,256 / year

At O-4, this is #333 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA MI156 · ZIPs 48415 48417 48601 48602 48603 48604 +29 more

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Untaxed — matching it with taxable pay takes$2,485 / mo gross

Other dependency status here$1,773 without dependents

In government quarters, no dependents$50.10 / mo partial

Saginaw — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,329	$1,080
E-2	$1,329	$1,080
E-3	$1,329	$1,080
E-4	$1,329	$1,080
E-5	$1,503	$1,128
E-6	$1,749	$1,311
E-7	$1,782	$1,338
E-8	$1,818	$1,560
E-9	$1,869	$1,623
Warrant officer
W-1	$1,767	$1,326
W-2	$1,797	$1,557
W-3	$1,845	$1,635
W-4	$1,878	$1,749
W-5	$1,929	$1,788
Officer — prior enlisted
O-1E	$1,785	$1,500
O-2E	$1,833	$1,608
O-3E	$1,887	$1,740
Officer
O-1	$1,542	$1,158
O-2	$1,746	$1,449
O-3	$1,842	$1,656
O-4	$1,938	$1,773
O-5	$2,007	$1,791
O-6	$2,022	$1,821
O-7	$2,031	$1,848

What this rate means

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

Westchester County$7,470

County Cost Group 540$2,046

County Cost Group 530$2,037

County Cost Group 520$2,031

County Cost Group 510$2,025

Saginaw$1,938

Anniston$1,935

Cannon AFB$1,920

Monroe$1,908

Stevens Point$1,878

Youngstown$1,809

Saginaw is #333 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 Saginaw0 – $2,031 / month

E-1$1,329

E-2$1,329

E-3$1,329

E-4$1,329

E-5$1,503

E-6$1,749

E-7$1,782

E-8$1,818

E-9$1,869

W-1$1,767

W-2$1,797

W-3$1,845

W-4$1,878

W-5$1,929

O-1E$1,785

O-2E$1,833

O-3E$1,887

O-1$1,542

O-2$1,746

O-3$1,842

O-4$1,938

O-5$2,007

O-6$2,022

O-7$2,031

Promoting to O-5 here adds $69 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 Saginaw to Westchester County at O-4 is worth $5,532 a month — about 80 promotions worth of housing allowance, at $69 per grade here.

Dependency status is worth 9% 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. $1,938 a month of BAH takes more than $1,938 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 Saginaw draws $1,938 per month in 2026

What this rate means

Things the rate table doesn't tell you