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 with dependents at Worcester draws $4,296 per month in 2026

    Permalinkbahratedesk.com/worcester-ma/o-4/with/ExcelCSVDownloads cover this station.
    Worcester, MA
    O-4 · with dependents
    $4,296/ month
    $51,552 / year
    At O-4, this is #41 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA MA122 · ZIPs 01005 01031 01037 01068 01074 01083 +65 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$5,508 / mo gross
    Other dependency status here$3,528 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Worcester — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,787$2,286
    E-2$2,787$2,286
    E-3$2,787$2,286
    E-4$2,787$2,286
    E-5$2,919$2,523
    E-6$3,390$2,664
    E-7$3,525$2,790
    E-8$3,669$3,018
    E-9$3,909$3,156
    Warrant officer
    W-1$3,411$2,754
    W-2$3,582$3,015
    W-3$3,759$3,174
    W-4$3,963$3,417
    W-5$4,212$3,555
    Officer — prior enlisted
    O-1E$3,549$2,916
    O-2E$3,732$3,123
    O-3E$4,002$3,384
    Officer
    O-1$2,982$2,652
    O-2$3,387$2,880
    O-3$3,756$3,219
    O-4$4,296$3,528
    O-5$4,686$3,606
    O-6$4,725$3,738
    O-7$4,761$3,804
    PCS compareWorcester · O-4 · $4,296/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$900−$10,800/yr · like −$13,846 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Newport$4,446
    West Palm Beach$4,443
    Washington$4,410
    Providence$4,317
    Worcester$4,296
    New Haven$4,275
    County Cost Group 890$4,236
    Warrenton$4,206
    Hartford$4,128
    Youngstown$1,809

    Worcester is #41 of 338. The spread between the dearest and cheapest station at this grade is $5,661 a month — $67,932 a year, untaxed.

    Every pay grade at Worcester0 – $4,761 / month
    E-1$2,787
    E-2$2,787
    E-3$2,787
    E-4$2,787
    E-5$2,919
    E-6$3,390
    E-7$3,525
    E-8$3,669
    E-9$3,909
    W-1$3,411
    W-2$3,582
    W-3$3,759
    W-4$3,963
    W-5$4,212
    O-1E$3,549
    O-2E$3,732
    O-3E$4,002
    O-1$2,982
    O-2$3,387
    O-3$3,756
    O-4$4,296
    O-5$4,686
    O-6$4,725
    O-7$4,761

    Promoting to O-5 here adds $390 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 Worcester to Westchester County at O-4 is worth $3,174 a month — about 8 promotions worth of housing allowance, at $390 per grade here.

    02

    Dependency status is worth 22% 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. $4,296 a month of BAH takes more than $4,296 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.