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 Wichita Fls draws $2,187 per month in 2026

    Permalinkbahratedesk.com/wichita-fls-sheppard-afb-tx/o-4/without/ExcelCSVDownloads cover this station.
    Wichita Fls/Sheppard AFB, TX
    O-4 · without dependents
    $2,187/ month
    $26,244 / year
    At O-4, this is #218 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA TX288 · ZIPs 76301 76302 76305 76306 76307 76308 +12 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,804 / mo gross
    Other dependency status here$2,691 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Wichita Fls — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,392$1,044
    E-2$1,392$1,044
    E-3$1,392$1,044
    E-4$1,392$1,044
    E-5$1,491$1,182
    E-6$2,112$1,584
    E-7$2,190$1,644
    E-8$2,271$1,704
    E-9$2,427$1,821
    Warrant officer
    W-1$2,133$1,602
    W-2$2,223$1,668
    W-3$2,328$1,827
    W-4$2,463$2,127
    W-5$2,634$2,208
    Officer — prior enlisted
    O-1E$2,202$1,653
    O-2E$2,310$1,764
    O-3E$2,490$2,106
    Officer
    O-1$1,572$1,290
    O-2$2,106$1,647
    O-3$2,325$1,887
    O-4$2,691$2,187
    O-5$2,955$2,229
    O-6$2,979$2,304
    O-7$2,997$2,343
    PCS compareWichita Fls · O-4 · $2,187/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▲ RAISE+$678+$8,136/yr · like +$10,431 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Johnson City$2,202
    Waco$2,199
    Fort Huachuca$2,193
    Baton Rouge$2,190
    Wichita Fls$2,187
    Bloomington$2,184
    Morehead$2,184
    Fort Gordon$2,181
    Lincoln$2,166
    Youngstown$1,497

    Wichita Fls is #218 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 Wichita Fls0 – $2,343 / month
    E-1$1,044
    E-2$1,044
    E-3$1,044
    E-4$1,044
    E-5$1,182
    E-6$1,584
    E-7$1,644
    E-8$1,704
    E-9$1,821
    W-1$1,602
    W-2$1,668
    W-3$1,827
    W-4$2,127
    W-5$2,208
    O-1E$1,653
    O-2E$1,764
    O-3E$2,106
    O-1$1,290
    O-2$1,647
    O-3$1,887
    O-4$2,187
    O-5$2,229
    O-6$2,304
    O-7$2,343

    Promoting to O-5 here adds $42 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 Wichita Fls to Westchester County at O-4 is worth $3,687 a month — about 88 promotions worth of housing allowance, at $42 per grade here.

    02

    Dependency status is worth 23% 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. $2,187 a month of BAH takes more than $2,187 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.