Pick a station below to see what the move is worth a year, before tax.
Orders rarely arrive as one option — add several and rank them.
Comparison uses with-dependents rates. Differences are annual and untaxed.
Rate protection is not applied — a PCS resets you to the new location's current-year rate.
W-4 with dependents, nearest stations0 – $6,963 / month
Westchester County$6,963
Bangor$2,586
Corpus Christi$2,583
Rapid City$2,559
Cheyenne$2,547
Grand Rapids$2,547
Fort Drum$2,544
Ocala$2,544
County Cost Group 790$2,538
Des Moines$2,538
Fort Knox$2,538
Waco$2,538
Lemoore NAS$2,535
Phoenix$2,535
Auburn$2,532
Kings Bay$2,529
Morehead$2,529
Louisville$2,523
Fort Worth$2,511
Albuquerque$2,502
Eastern Shore$2,496
Charlotte$2,481
Stevens Point$1,779
Waco is #190 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 Waco0 – $3,138 / month
E-1$1,617
E-2$1,617
E-3$1,617
E-4$1,617
E-5$1,755
E-6$2,097
E-7$2,199
E-8$2,310
E-9$2,496
W-1$2,118
W-2$2,244
W-3$2,382
W-4$2,538
W-5$2,730
O-1E$2,217
O-2E$2,361
O-3E$2,568
O-1$1,803
O-2$2,094
O-3$2,379
O-4$2,793
O-5$3,093
O-6$3,117
O-7$3,138
The pay chart moves this allowance far less than the map does.
Moving from Waco to Westchester County at W-4
is worth $4,425 a month — about 23 promotions at this grade.
Where you are stationed outweighs rank, by a lot.
What the rate table does not 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.