What is E-4 BAH at Sault Ste Marie in 2026?

$1,386 per month with dependents ($16,632 per year), effective 01 JAN 2026. without dependents it is $1,041 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 Sault Ste Marie 2026 — $1,386/mo with dependents

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

Sault Ste Marie, MI

E-4 · with dependents

$1,386/ month

$16,632 / year

At E-4, this is #292 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134

MHA MI145 · ZIPs 49710 49715 49719 49724 49725 49726 +16 more

Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA

Untaxed — matching it with taxable pay takes$1,777 / mo gross

Other dependency status here$1,041 without dependents

In government quarters, no dependents$50.10 / mo partial

Sault Ste Marie — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,386	$1,041
E-2	$1,386	$1,041
E-3	$1,386	$1,041
E-4	$1,386	$1,041
E-5	$1,536	$1,155
E-6	$1,920	$1,437
E-7	$1,941	$1,458
E-8	$1,950	$1,617
E-9	$2,058	$1,728
Warrant officer
W-1	$1,938	$1,455
W-2	$1,947	$1,614
W-3	$1,962	$1,743
W-4	$2,097	$1,917
W-5	$2,268	$1,935
Officer — prior enlisted
O-1E	$1,944	$1,533
O-2E	$1,953	$1,701
O-3E	$2,124	$1,911
Officer
O-1	$1,590	$1,230
O-2	$1,917	$1,491
O-3	$1,959	$1,779
O-4	$2,325	$1,923
O-5	$2,595	$1,947
O-6	$2,613	$1,959
O-7	$2,628	$1,971

What this rate means

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

New York City$5,067

Terre Haute$1,401

Wichita Fls$1,392

County Cost Group 700$1,389

Fort Leonard Wood$1,386

Sault Ste Marie$1,386

Sparta$1,380

County Cost Group 690$1,374

Laughlin AFB$1,371

County Cost Group 680$1,365

Youngstown$1,134

Sault Ste Marie is #292 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 Sault Ste Marie0 – $2,628 / month

E-1$1,386

E-2$1,386

E-3$1,386

E-4$1,386

E-5$1,536

E-6$1,920

E-7$1,941

E-8$1,950

E-9$2,058

W-1$1,938

W-2$1,947

W-3$1,962

W-4$2,097

W-5$2,268

O-1E$1,944

O-2E$1,953

O-3E$2,124

O-1$1,590

O-2$1,917

O-3$1,959

O-4$2,325

O-5$2,595

O-6$2,613

O-7$2,628

Promoting to E-5 here adds $150 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 Sault Ste Marie to New York City at E-4 is worth $3,681 a month — about 25 promotions worth of housing allowance, at $150 per grade here.

Dependency status is worth 33% 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. $1,386 a month of BAH takes more than $1,386 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 Sault Ste Marie draws $1,386 per month in 2026

What this rate means

Things the rate table doesn't tell you