What is E-4 BAH at Willow Grove in 2026?

$2,730 per month with dependents ($32,760 per year), effective 01 JAN 2026. without dependents it is $2,049 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.

E-4 BAH at Willow Grove 2026 — $2,730/mo with dependents

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

Willow Grove, PA

E-4 · with dependents

$2,730/ month

$32,760 / year

At E-4, this is #55 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134

MHA PA249 · ZIPs 18039 18041 18054 18070 18073 18074 +207 more

Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA

Untaxed — matching it with taxable pay takes$3,500 / mo gross

Other dependency status here$2,049 without dependents

In government quarters, no dependents$50.10 / mo partial

Willow Grove — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,730	$2,049
E-2	$2,730	$2,049
E-3	$2,730	$2,049
E-4	$2,730	$2,049
E-5	$2,934	$2,337
E-6	$3,399	$2,550
E-7	$3,423	$2,736
E-8	$3,432	$3,030
E-9	$3,495	$3,165
Warrant officer
W-1	$3,420	$2,670
W-2	$3,429	$3,027
W-3	$3,441	$3,183
W-4	$3,525	$3,396
W-5	$3,669	$3,405
Officer — prior enlisted
O-1E	$3,426	$2,931
O-2E	$3,435	$3,135
O-3E	$3,549	$3,393
Officer
O-1	$2,997	$2,523
O-2	$3,393	$2,871
O-3	$3,438	$3,228
O-4	$3,714	$3,399
O-5	$3,939	$3,408
O-6	$3,969	$3,411
O-7	$3,999	$3,447

What this rate means

E-4 with dependents, nearest stations0 – $5,067 / month

New York City$5,067

Annapolis$2,757

Fort G. G. Meade$2,739

Beale AFB$2,733

Quantico$2,730

Willow Grove$2,730

JB McGuire-Dix-Lakehurst$2,715

Newport$2,685

County Cost Group 880$2,664

Hartford$2,652

Youngstown$1,134

Willow Grove is #55 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 Willow Grove0 – $3,999 / month

E-1$2,730

E-2$2,730

E-3$2,730

E-4$2,730

E-5$2,934

E-6$3,399

E-7$3,423

E-8$3,432

E-9$3,495

W-1$3,420

W-2$3,429

W-3$3,441

W-4$3,525

W-5$3,669

O-1E$3,426

O-2E$3,435

O-3E$3,549

O-1$2,997

O-2$3,393

O-3$3,438

O-4$3,714

O-5$3,939

O-6$3,969

O-7$3,999

Promoting to E-5 here adds $204 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 Willow Grove to New York City at E-4 is worth $2,337 a month — about 11 promotions worth of housing allowance, at $204 per grade here.

Dependency status is worth 33% 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. $2,730 a month of BAH takes more than $2,730 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.

E-4 with dependents at Willow Grove draws $2,730 per month in 2026

What this rate means

Things the rate table doesn't tell you