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
    With $2,142Without $1,863

    W-4 at Springfield draws $2,142 per month with dependents in 2026, $1,863 without

    Permalinkbahratedesk.com/springfield-mo/w-4/ExcelCSVDownloads cover this station.
    Springfield, MO
    W-4 · with dependents
    $2,142/ month
    $25,704 / year
    At W-4, this is #278 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779
    MHA MO164 · ZIPs 65604 65610 65612 65619 65620 65629 +32 more
    Your grade is calledARMYCW4USMCCWO4NAVYCWO4
    Untaxed — matching it with taxable pay takes$2,746 / mo gross
    Without dependents here$1,863 / mo
    In government quarters, no dependents$50.10 / mo partial
    Springfield — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,293$1,146
    E-2$1,293$1,146
    E-3$1,293$1,146
    E-4$1,293$1,146
    E-5$1,389$1,167
    E-6$1,857$1,392
    E-7$1,908$1,431
    E-8$1,962$1,488
    E-9$2,103$1,623
    Warrant officer
    W-1$1,878$1,410
    W-2$1,932$1,485
    W-3$2,001$1,641
    W-4$2,142$1,863
    W-5$2,319$1,920
    Officer — prior enlisted
    O-1E$1,914$1,437
    O-2E$1,989$1,593
    O-3E$2,169$1,851
    Officer
    O-1$1,452$1,194
    O-2$1,851$1,434
    O-3$1,998$1,686
    O-4$2,376$1,902
    O-5$2,649$1,986
    O-6$2,670$2,004
    O-7$2,685$2,013
    PCS compareSpringfield · W-4 · $2,142/mo
    Aberdeen Proving Grounds$3,198/mo · $38,376/yr
    ▲ RAISE+$1,056+$12,672/yr · like +$16,246 of salary

    What this rate means

    W-4 with dependents, nearest stations0 – $6,963 / month
    Westchester County$6,963
    Morgantown$2,157
    Frankfort$2,151
    Fort Benning$2,148
    Terre Haute$2,145
    Springfield$2,142
    White Sands MR$2,142
    Lafayette$2,139
    Yuma$2,139
    Akron$2,136
    Stevens Point$1,779

    Springfield is #278 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 Springfield0 – $2,685 / month
    E-1$1,293
    E-2$1,293
    E-3$1,293
    E-4$1,293
    E-5$1,389
    E-6$1,857
    E-7$1,908
    E-8$1,962
    E-9$2,103
    W-1$1,878
    W-2$1,932
    W-3$2,001
    W-4$2,142
    W-5$2,319
    O-1E$1,914
    O-2E$1,989
    O-3E$2,169
    O-1$1,452
    O-2$1,851
    O-3$1,998
    O-4$2,376
    O-5$2,649
    O-6$2,670
    O-7$2,685

    Promoting to W-5 here adds $177 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 Springfield to Westchester County at W-4 is worth $4,821 a month — about 27 promotions worth of housing allowance, at $177 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. $2,142 a month of BAH takes more than $2,142 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.