BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

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

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-4 without dependents at Spokane draws $2,658 per month in 2026

    Permalinkbahratedesk.com/spokane-wa/o-4/without/ExcelCSVDownloads cover this station.
    Spokane, WA
    O-4 · without dependents
    $2,658/ month
    $31,896 / year
    At O-4, this is #128 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA WA310 · ZIPs 99001 99003 99004 99005 99006 99009 +46 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,408 / mo gross
    Other dependency status here$3,048 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Spokane — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,947$1,611
    E-2$1,947$1,611
    E-3$1,947$1,611
    E-4$1,947$1,611
    E-5$2,184$1,665
    E-6$2,553$1,914
    E-7$2,658$1,995
    E-8$2,772$2,262
    E-9$2,901$2,367
    Warrant officer
    W-1$2,574$1,932
    W-2$2,706$2,259
    W-3$2,847$2,382
    W-4$2,922$2,574
    W-5$3,021$2,685
    Officer — prior enlisted
    O-1E$2,679$2,181
    O-2E$2,826$2,343
    O-3E$2,937$2,547
    Officer
    O-1$2,235$1,707
    O-2$2,550$2,106
    O-3$2,844$2,418
    O-4$3,048$2,658
    O-5$3,195$2,721
    O-6$3,222$2,826
    O-7$3,243$2,874
    PCS compareSpokane · O-4 · $2,658/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▲ RAISE+$207+$2,484/yr · like +$3,185 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Savannah$2,676
    Richmond$2,670
    Asheville$2,667
    County Cost Group 830$2,667
    Spokane$2,658
    Detroit$2,649
    Charleston$2,646
    Twenty Nine Palms MCB$2,646
    Buffalo$2,631
    Youngstown$1,497

    Spokane is #128 of 338. The spread between the dearest and cheapest station at this grade is $4,377 a month — $52,524 a year, untaxed.

    Every pay grade at Spokane0 – $2,874 / month
    E-1$1,611
    E-2$1,611
    E-3$1,611
    E-4$1,611
    E-5$1,665
    E-6$1,914
    E-7$1,995
    E-8$2,262
    E-9$2,367
    W-1$1,932
    W-2$2,259
    W-3$2,382
    W-4$2,574
    W-5$2,685
    O-1E$2,181
    O-2E$2,343
    O-3E$2,547
    O-1$1,707
    O-2$2,106
    O-3$2,418
    O-4$2,658
    O-5$2,721
    O-6$2,826
    O-7$2,874

    Promoting to O-5 here adds $63 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Spokane to Westchester County at O-4 is worth $3,216 a month — about 51 promotions worth of housing allowance, at $63 per grade here.

    02

    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.

    03

    None of it is taxed. $2,658 a month of BAH takes more than $2,658 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't tell you

    01

    “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.

    02

    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.

    03

    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.