What is O-4 BAH at Waco in 2026?

$2,199 per month without dependents ($26,388 per year), effective 01 JAN 2026. with dependents it is $2,793 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 Waco 2026 — $2,199/mo without dependents

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

Waco, TX

O-4 · without dependents

$2,199/ month

$26,388 / year

At O-4, this is #215 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497

MHA TX415 · ZIPs 76524 76557 76624 76630 76633 76638 +27 more

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Untaxed — matching it with taxable pay takes$2,819 / mo gross

Other dependency status here$2,793 with dependents

In government quarters, no dependents$50.10 / mo partial

Waco — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,617	$1,404
E-2	$1,617	$1,404
E-3	$1,617	$1,404
E-4	$1,617	$1,404
E-5	$1,755	$1,440
E-6	$2,097	$1,572
E-7	$2,199	$1,650
E-8	$2,310	$1,830
E-9	$2,496	$1,926
Warrant officer
W-1	$2,118	$1,590
W-2	$2,244	$1,827
W-3	$2,382	$1,938
W-4	$2,538	$2,118
W-5	$2,730	$2,223
Officer — prior enlisted
O-1E	$2,217	$1,752
O-2E	$2,361	$1,902
O-3E	$2,568	$2,091
Officer
O-1	$1,803	$1,473
O-2	$2,094	$1,713
O-3	$2,379	$1,971
O-4	$2,793	$2,199
O-5	$3,093	$2,319
O-6	$3,117	$2,361
O-7	$3,138	$2,400

What this rate means

O-4 without dependents, nearest stations0 – $5,874 / month

Westchester County$5,874

Fort Leavenworth$2,226

Kansas City$2,217

County Cost Group 780$2,205

Johnson City$2,202

Waco$2,199

Fort Huachuca$2,193

Baton Rouge$2,190

Wichita Fls$2,187

Bloomington$2,184

Youngstown$1,497

Waco is #215 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 Waco0 – $2,400 / month

E-1$1,404

E-2$1,404

E-3$1,404

E-4$1,404

E-5$1,440

E-6$1,572

E-7$1,650

E-8$1,830

E-9$1,926

W-1$1,590

W-2$1,827

W-3$1,938

W-4$2,118

W-5$2,223

O-1E$1,752

O-2E$1,902

O-3E$2,091

O-1$1,473

O-2$1,713

O-3$1,971

O-4$2,199

O-5$2,319

O-6$2,361

O-7$2,400

Promoting to O-5 here adds $120 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 Waco to Westchester County at O-4 is worth $3,675 a month — about 31 promotions worth of housing allowance, at $120 per grade here.

Dependency status is worth 27% 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. $2,199 a month of BAH takes more than $2,199 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 without dependents at Waco draws $2,199 per month in 2026

What this rate means

Things the rate table doesn't tell you