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

    E-4 with dependents at Traverse City draws $2,037 per month in 2026

    Permalinkbahratedesk.com/traverse-city-mi/e-4/with/ExcelCSVDownloads cover this station.
    Traverse City, MI
    E-4 · with dependents
    $2,037/ month
    $24,444 / year
    At E-4, this is #142 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA MI146 · ZIPs 49411 49431 49601 49610 49613 49614 +39 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$2,612 / mo gross
    Other dependency status here$1,716 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Traverse City — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,037$1,716
    E-2$2,037$1,716
    E-3$2,037$1,716
    E-4$2,037$1,716
    E-5$2,070$1,896
    E-6$2,802$2,103
    E-7$2,901$2,175
    E-8$3,003$2,253
    E-9$3,123$2,439
    Warrant officer
    W-1$2,823$2,118
    W-2$2,943$2,214
    W-3$3,072$2,463
    W-4$3,141$2,820
    W-5$3,231$2,922
    Officer — prior enlisted
    O-1E$2,916$2,187
    O-2E$3,051$2,388
    O-3E$3,156$2,796
    Officer
    O-1$2,160$1,998
    O-2$2,793$2,178
    O-3$3,069$2,535
    O-4$3,255$2,898
    O-5$3,390$2,955
    O-6$3,417$3,051
    O-7$3,441$3,102
    PCS compareTraverse City · E-4 · $2,037/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▲ RAISE+$231+$2,772/yr · like +$3,554 of salary

    What this rate means

    E-4 with dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    Coastal Maine$2,052
    Austin$2,046
    Eugene$2,046
    Jacksonville$2,046
    Traverse City$2,037
    Detroit$2,034
    Cincinnati$2,031
    County Cost Group 820$2,016
    Kings Bay$2,016
    Youngstown$1,134

    Traverse City is #142 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 Traverse City0 – $3,441 / month
    E-1$2,037
    E-2$2,037
    E-3$2,037
    E-4$2,037
    E-5$2,070
    E-6$2,802
    E-7$2,901
    E-8$3,003
    E-9$3,123
    W-1$2,823
    W-2$2,943
    W-3$3,072
    W-4$3,141
    W-5$3,231
    O-1E$2,916
    O-2E$3,051
    O-3E$3,156
    O-1$2,160
    O-2$2,793
    O-3$3,069
    O-4$3,255
    O-5$3,390
    O-6$3,417
    O-7$3,441

    Promoting to E-5 here adds $33 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 Traverse City to New York City at E-4 is worth $3,030 a month — about 92 promotions worth of housing allowance, at $33 per grade here.

    02

    Dependency status is worth 19% 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. $2,037 a month of BAH takes more than $2,037 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.