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 $2,928Without $2,388

    O-4 at State College draws $2,928 per month with dependents in 2026, $2,388 without

    Permalinkbahratedesk.com/state-college-pa/o-4/ExcelCSVDownloads cover this station.
    State College, PA
    O-4 · with dependents
    $2,928/ month
    $35,136 / year
    At O-4, this is #154 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA PA252 · ZIPs 16677 16801 16802 16803 16804 16805 +25 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,754 / mo gross
    Without dependents here$2,388 / mo
    In government quarters, no dependents$50.10 / mo partial
    State College — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,656$1,329
    E-2$1,656$1,329
    E-3$1,656$1,329
    E-4$1,656$1,329
    E-5$1,791$1,443
    E-6$2,274$1,707
    E-7$2,388$1,791
    E-8$2,508$1,893
    E-9$2,679$2,034
    Warrant officer
    W-1$2,295$1,722
    W-2$2,436$1,890
    W-3$2,583$2,052
    W-4$2,715$2,298
    W-5$2,877$2,412
    Officer — prior enlisted
    O-1E$2,406$1,806
    O-2E$2,562$2,001
    O-3E$2,739$2,268
    Officer
    O-1$1,854$1,515
    O-2$2,271$1,794
    O-3$2,580$2,097
    O-4$2,928$2,388
    O-5$3,180$2,454
    O-6$3,207$2,562
    O-7$3,228$2,607
    PCS compareState College · O-4 · $2,928/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▲ RAISE+$468+$5,616/yr · like +$7,200 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Omaha$2,967
    Salt Lake City$2,946
    Coos Bay$2,943
    Durham$2,931
    State College$2,928
    Chattanooga$2,916
    County Cost Group 810$2,916
    Panama City$2,913
    Bloomington$2,910
    Youngstown$1,809

    State College is #154 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 State College0 – $3,228 / month
    E-1$1,656
    E-2$1,656
    E-3$1,656
    E-4$1,656
    E-5$1,791
    E-6$2,274
    E-7$2,388
    E-8$2,508
    E-9$2,679
    W-1$2,295
    W-2$2,436
    W-3$2,583
    W-4$2,715
    W-5$2,877
    O-1E$2,406
    O-2E$2,562
    O-3E$2,739
    O-1$1,854
    O-2$2,271
    O-3$2,580
    O-4$2,928
    O-5$3,180
    O-6$3,207
    O-7$3,228

    Promoting to O-5 here adds $252 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 State College to Westchester County at O-4 is worth $4,542 a month — about 18 promotions worth of housing allowance, at $252 per grade here.

    02

    Dependency status is worth 23% 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. $2,928 a month of BAH takes more than $2,928 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.