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

    O-4 without dependents at Whidbey Island draws $2,880 per month in 2026

    Permalinkbahratedesk.com/whidbey-island-wa/o-4/without/ExcelCSVDownloads cover this station.
    Whidbey Island, WA
    O-4 · without dependents
    $2,880/ month
    $34,560 / year
    At O-4, this is #98 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA WA312 · ZIPs 98221 98222 98232 98233 98235 98236 +17 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,692 / mo gross
    Other dependency status here$3,279 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Whidbey Island — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,013$1,839
    E-2$2,013$1,839
    E-3$2,013$1,839
    E-4$2,013$1,839
    E-5$2,073$1,905
    E-6$2,745$2,058
    E-7$2,877$2,157
    E-8$3,018$2,265
    E-9$3,159$2,412
    Warrant officer
    W-1$2,766$2,076
    W-2$2,934$2,208
    W-3$3,111$2,436
    W-4$3,174$2,772
    W-5$3,258$2,910
    Officer — prior enlisted
    O-1E$2,901$2,175
    O-2E$3,084$2,367
    O-3E$3,189$2,739
    Officer
    O-1$2,157$1,950
    O-2$2,736$2,160
    O-3$3,105$2,499
    O-4$3,279$2,880
    O-5$3,402$2,958
    O-6$3,429$3,090
    O-7$3,453$3,144
    PCS compareWhidbey Island · O-4 · $2,880/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▼ CUT−$15−$180/yr · like −$231 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Traverse City$2,898
    Milwaukee$2,883
    Patrick SFB$2,883
    Bridgeport$2,880
    Whidbey Island$2,880
    Oxford$2,871
    Aberdeen Proving Grounds$2,865
    Eglin AFB$2,865
    Fresno$2,859
    Youngstown$1,497

    Whidbey Island is #98 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 Whidbey Island0 – $3,144 / month
    E-1$1,839
    E-2$1,839
    E-3$1,839
    E-4$1,839
    E-5$1,905
    E-6$2,058
    E-7$2,157
    E-8$2,265
    E-9$2,412
    W-1$2,076
    W-2$2,208
    W-3$2,436
    W-4$2,772
    W-5$2,910
    O-1E$2,175
    O-2E$2,367
    O-3E$2,739
    O-1$1,950
    O-2$2,160
    O-3$2,499
    O-4$2,880
    O-5$2,958
    O-6$3,090
    O-7$3,144

    Promoting to O-5 here adds $78 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 Whidbey Island to Westchester County at O-4 is worth $2,994 a month — about 38 promotions worth of housing allowance, at $78 per grade here.

    02

    Dependency status is worth 14% 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. $2,880 a month of BAH takes more than $2,880 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.