What is O-4 BAH at Toledo in 2026?

$2,544 per month with dependents ($30,528 per year), effective 01 JAN 2026. Without dependents it is $2,160 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 Toledo 2026 — $2,544 with dependents, $2,160 without

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

Toledo, OH

O-4 · with dependents

$2,544/ month

$30,528 / year

At O-4, this is #223 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA OH232 · ZIPs 43402 43403 43405 43406 43413 43414 +84 more

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Untaxed — matching it with taxable pay takes$3,262 / mo gross

Without dependents here$2,160 / mo

In government quarters, no dependents$50.10 / mo partial

Toledo — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,758	$1,320
E-2	$1,758	$1,320
E-3	$1,758	$1,320
E-4	$1,758	$1,320
E-5	$2,031	$1,524
E-6	$2,166	$1,620
E-7	$2,184	$1,770
E-8	$2,193	$2,064
E-9	$2,283	$2,091
Warrant officer
W-1	$2,181	$1,671
W-2	$2,190	$2,061
W-3	$2,202	$2,100
W-4	$2,319	$2,157
W-5	$2,490	$2,169
Officer — prior enlisted
O-1E	$2,187	$2,028
O-2E	$2,196	$2,085
O-3E	$2,346	$2,154
Officer
O-1	$2,058	$1,545
O-2	$2,163	$1,944
O-3	$2,199	$2,112
O-4	$2,544	$2,160
O-5	$2,811	$2,172
O-6	$2,832	$2,175
O-7	$2,850	$2,196

What this rate means

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

Westchester County$7,470

Lexington$2,571

Ogden$2,565

Shreveport$2,562

Fort Gordon$2,559

Toledo$2,544

County Cost Group 770$2,541

Fort Rucker$2,541

Malmstrom SFB$2,532

Champaign$2,529

Youngstown$1,809

Toledo is #223 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 Toledo0 – $2,850 / month

E-1$1,758

E-2$1,758

E-3$1,758

E-4$1,758

E-5$2,031

E-6$2,166

E-7$2,184

E-8$2,193

E-9$2,283

W-1$2,181

W-2$2,190

W-3$2,202

W-4$2,319

W-5$2,490

O-1E$2,187

O-2E$2,196

O-3E$2,346

O-1$2,058

O-2$2,163

O-3$2,199

O-4$2,544

O-5$2,811

O-6$2,832

O-7$2,850

Promoting to O-5 here adds $267 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 Toledo to Westchester County at O-4 is worth $4,926 a month — about 18 promotions worth of housing allowance, at $267 per grade here.

Dependency status is worth 18% 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. $2,544 a month of BAH takes more than $2,544 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 at Toledo draws $2,544 per month with dependents in 2026, $2,160 without

What this rate means

Things the rate table doesn't tell you