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O-4 BAH Rates 2026 by Location
Monthly Basic Allowance for Housing for an O-4 in all 299 military housing areas — official DoD rates for 2026.
Median, with dependents
$2,904
Median, without dependents
$2,490
Range, with dependents
$1,809 – $7,470
Highest O-4 BAH
Housing area With dependents Without dependents Westchester County, NY $7,470 $5,874 New York City, NY $6,459 $5,247 San Francisco, CA $6,444 $5,481 Nantucket, MA $6,306 $5,244 Maui County, HI $6,045 $5,088 Boston, MA $5,928 $4,941 Santa Clara County, CA $5,856 $5,055 Florida Keys, FL $5,655 $4,374 Northern New Jersey, NJ $5,610 $5,055 Hanscom AFB, MA $5,535 $4,584
Lowest O-4 BAH
Housing area With dependents Without dependents Youngstown, OH $1,809 $1,497 Stevens Point, WI $1,878 $1,707 Monroe, LA $1,908 $1,659 Cannon AFB/Clovis, NM $1,920 $1,695 Anniston/Fort Mcclellan, AL $1,935 $1,557 Saginaw, MI $1,938 $1,773 Fort Sill/Lawton, OK $2,055 $1,587 Huntington, WV $2,073 $1,821 Erie, PA $2,076 $1,743 Sparta/Fort Mccoy, WI $2,094 $1,866
Look up BAH by ZIP code →
All 299 housing areas, O-4
Housing area With dependents Without dependents Aberdeen Proving Grounds, MD $3,396 $2,865 Abilene/Dyess AFB, TX $3,063 $2,820 Akron, OH $2,403 $1,935 Albany, GA $2,271 $1,704 Albuquerque/Kirtland AFB, NM $2,670 $2,343 Alexandria, LA $2,268 $1,779 Allentown/Bethlehem, PA $3,207 $2,841 Altus AFB, OK $2,130 $1,662 Anchorage, AK $3,789 $3,051 Ann Arbor, MI $3,804 $3,180 Annapolis, MD $3,822 $3,300 Anniston/Fort Mcclellan, AL $1,935 $1,557 Asheville, NC $3,351 $2,667 Astoria, OR $3,480 $2,955 Atlanta, GA $2,859 $2,706 Atlantic City, NJ $4,014 $3,417 Auburn, AL $2,718 $2,055 Austin, TX $3,825 $3,054 Ballston Spa/Albany, NY $3,549 $3,000 Baltimore, MD $3,477 $2,994 Bangor, ME $2,688 $2,226 Barstow/Fort Irwin, CA $2,976 $2,550 Baton Rouge, LA $2,517 $2,190 Battle Creek/Kalamazoo, MI $2,781 $2,418 Beale AFB, CA $3,342 $3,126 Beaufort/Parris Island, SC $3,192 $2,817 Beaumont, TX $2,289 $1,917 Birmingham, AL $2,703 $2,523 Bismarck, ND $2,388 $2,259 Bloomington, IN $2,910 $2,184 Boise, ID $2,598 $2,304 Boston, MA $5,928 $4,941 Boulder, CO $4,005 $3,480 Bremerton, WA $3,258 $2,847 Bridgeport, CA $3,312 $2,880 Brownsville, TX $2,490 $1,974 Brunswick, ME $3,846 $3,036 Buffalo, NY $3,093 $2,631 Burlington, VT $4,584 $3,918 Camp Lejeune, NC $2,355 $1,989 Camp Pendleton, CA $5,085 $4,494 Cannon AFB/Clovis, NM $1,920 $1,695 Cape Cod-Plymouth, MA $4,872 $4,155 Cape May, NJ $3,639 $3,108 Carlisle Barracks, PA $2,853 $2,439 Champaign/Urbana, IL $2,529 $2,028 Charleston, SC $2,904 $2,646 Charleston, WV $2,208 $1,791 Charlotte, NC $2,520 $2,433 Charlottesville, VA $3,333 $2,838 Chattanooga, TN $2,916 $2,436 Cheyenne, WY $2,715 $2,298 Chicago, IL $3,927 $3,699 China Lake, CA $2,445 $1,911 Cincinnati, OH $2,868 $2,544 Cleveland, OH $2,889 $2,418 Coastal Maine, ME $3,051 $2,757 College Station, TX $3,165 $2,499 Colorado Springs, CO $2,778 $2,484 Columbia/Fort Jackson, SC $2,517 $2,151 Columbia/Jefferson City, MO $2,391 $1,812 Columbus AFB, MS $2,361 $2,061 Columbus, OH $2,793 $2,364 Coos Bay, OR $2,943 $2,400 Corpus Christi, TX $2,757 $2,310 Corvallis, OR $3,387 $2,763 Dahlgren/Fort A.p. Hill $3,243 $2,757 Dahlonega, GA $2,736 $2,511 Dallas, TX $3,045 $2,811 Davis-Monthan AFB, AZ $2,400 $2,139 Denver, CO $3,426 $3,108 Des Moines, IA $2,706 $2,289 Detroit, MI $3,228 $2,649 Dover AFB/Rehoboth, DE $3,078 $2,706 Duluth, MN $2,619 $2,331 Durham/Chapel Hill, NC $2,931 $2,430 Eastern Panhandle, WV $2,796 $2,331 Eastern Shore, MD $2,643 $2,337 Edwards AFB/Palmdale, CA $3,597 $3,189 Eglin AFB, FL $3,528 $2,865 El Centro, CA $2,847 $2,346 El Paso, TX $2,352 $2,157 Elizabeth City, NC $3,009 $2,589 Erie, PA $2,076 $1,743 Essex Co, MA $5,301 $4,053 Eugene, OR $3,090 $2,583 Everett, WA $3,780 $3,366 Fairbanks, AK $3,210 $2,619 Fallon NAS, NV $2,499 $1,992 Fargo, ND $2,739 $2,397 Fayetteville, AR $2,640 $2,157 Fitchburg, MA $4,587 $3,699 Florida Keys, FL $5,655 $4,374 Fort Benning, GA $2,295 $1,998 Fort Bragg/Pope, NC $2,427 $2,088 Fort Campbell, KY $2,793 $2,250 Fort Chaffee/Fort Smith, AR $2,199 $1,785 Fort Collins, CO $3,012 $2,631 Fort Detrick, MD $3,573 $3,129 Fort Drum/Watertown, NY $2,655 $2,115 Fort G. G. Meade, MD $3,759 $3,321 Fort Gordon, AL $2,559 $2,181 Fort Hood, TX $2,577 $2,076 Fort Huachuca, AZ $2,364 $2,193 Fort Knox, KY $2,724 $2,241 Fort Leavenworth, KS $2,508 $2,226 Fort Leonard Wood, MO $2,142 $1,833 Fort Monmouth/Earle Nws, NJ $4,710 $4,173 Fort Myers Beach, FL $3,345 $2,991 Fort Pierce, FL $3,408 $2,916 Fort Polk, LA $2,124 $1,866 Fort Riley, KS $2,169 $1,842 Fort Rucker, AL $2,541 $1,941 Fort Sill/Lawton, OK $2,055 $1,587 Fort Stewart, GA $2,904 $2,490 Fort Wayne, IN $2,505 $2,145 Fort Worth, TX $2,640 $2,421 Frankfort, KY $2,178 $1,935 Fresno, CA $3,213 $2,859 Gainesville, FL $3,033 $2,481 Goodfellow AFB, TX $2,322 $1,968 Grand Forks, ND $2,478 $2,070 Grand Haven, MI $2,760 $2,499 Grand Rapids, MI $2,730 $2,403 Great Lakes Navtracen, IL $3,381 $2,853 Greensboro, NC $2,472 $2,157 Greenville, SC $2,463 $2,118 Gulfport, MS $2,379 $1,785 Hampden County, MA $3,747 $3,075 Hampton/Newport News, VA $2,835 $2,427 Hanscom AFB, MA $5,535 $4,584 Hartford, CT $4,128 $3,495 Hattiesburg, MS $2,160 $1,647 Hawaii County, HI $4,128 $3,867 Helena, MT $3,039 $2,619 Holloman AFB/Alamogordo, NM $2,175 $1,869 Honolulu County, HI $4,737 $4,110 Houston, TX $3,039 $2,580 Humboldt County, CA $3,099 $2,520 Huntington, WV $2,073 $1,821 Huntsville, AL $2,445 $2,127 Indian Head Navordsta, MD $4,020 $3,483 Indianapolis, IN $2,451 $2,238 Jackson, MS $2,841 $2,289 Jacksonville, FL $2,580 $2,277 JB Mcguire-Dix-Lakehurst, NJ $3,882 $3,477 Johnson City/Kingsport, TN $2,664 $2,202 Juneau, AK $3,873 $3,432 Kansas City, MO $2,622 $2,217 Kauai County, HI $5,376 $4,416 Ketchikan, AK $3,720 $3,036 Kings Bay/Brunswick, GA $2,706 $2,247 Knoxville, TN $3,243 $2,742 Kodiak Island, AK $3,555 $2,970 Lafayette, LA $2,298 $1,911 Lake Charles, LA $2,265 $1,755 Lansing, MI $2,529 $2,028 Laughlin AFB/Del Rio, TX $2,526 $1,896 Lemoore NAS, CA $2,673 $2,334 Lexington, KY $2,571 $2,160 Lexington, VA $2,421 $2,040 Lincoln, NE $2,502 $2,166 Little Rock, AR $2,328 $1,935 Long Island, NY $5,502 $4,878 Los Angeles, CA $5,052 $4,314 Louisville, KY $2,730 $2,310 Lubbock, TX $2,343 $1,869 Madison, WI $3,759 $3,096 Malmstrom Sfb/Great Falls, MT $2,532 $1,989 Manchester/Concord, NH $4,512 $3,801 Marin/Sonoma, CA $4,563 $3,939 Marquette, MI $2,634 $2,148 Martha's Vineyard, MA $5,385 $4,758 Maui County, HI $6,045 $5,088 Memphis, TN $2,508 $2,313 Meridian, MS $2,202 $1,698 Miami/Fort Lauderdale, FL $5,208 $4,041 Milwaukee, WI $3,564 $2,883 Minneapolis/St Paul, MN $3,183 $2,820 Minot AFB, ND $2,367 $2,049 Mobile, AL $2,508 $2,112 Monroe, LA $1,908 $1,659 Monterey, CA $5,259 $4,245 Montgomery, AL $2,298 $1,815 Moody AFB, GA $2,340 $1,941 Morehead/Cherry Pt MCAS, NC $2,697 $2,184 Morgantown, WV $2,367 $1,950 Mountain Home AFB, ID $2,658 $2,232 Myrtle Beach, SC $2,787 $2,415 Nantucket, MA $6,306 $5,244 Nashville, TN $3,033 $2,706 Nellis AFB/Las Vegas, NV $2,610 $2,265 New Haven/Fairfield, CT $4,275 $3,759 New London, CT $3,654 $3,156 New Orleans, LA $2,847 $2,436 New York City, NY $6,459 $5,247 Newport, RI $4,446 $3,717 Norfolk/Portsmouth, VA $3,054 $2,601 Northern New Jersey, NJ $5,610 $5,055 Oakland, CA $4,809 $4,203 Ocala, FL $2,718 $2,403 Ogden/Hill AFB, UT $2,565 $2,265 Oklahoma City, OK $2,184 $1,890 Omaha/Offutt AFB, NE $2,967 $2,454 Orlando, FL $3,135 $2,958 Outer Banks, NC $3,438 $2,991 Oxford, MD $3,378 $2,871 Paducah, KY $2,415 $1,929 Panama City, FL $2,913 $2,538 Patrick Sfb, FL $3,108 $2,883 Patuxent River, MD $3,075 $2,622 Pensacola, FL $2,457 $2,232 Peoria, IL $2,283 $1,920 Perth Amboy, NJ $4,638 $4,128 Philadelphia, PA/Camden, NJ $3,435 $2,976 Phoenix, AZ $2,646 $2,451 Pittsburgh, PA $3,075 $2,604 Port Angeles, WA $3,285 $2,940 Portland, ME $4,830 $3,843 Portland, OR $3,420 $2,853 Portsmouth, NH/Kittery, ME $4,983 $3,993 Providence, RI $4,317 $3,669 Provo, UT $2,745 $2,337 Quantico/Woodbridge, VA $3,753 $3,222 Raleigh, NC $2,589 $2,334 Rapid City/Ellsworth AFB, SD $2,691 $2,304 Reno/Carson City, NV $3,120 $2,715 Richmond/Fort Lee, VA $3,030 $2,670 Riverside, CA $3,876 $3,597 Roanoke, VA $2,583 $2,154 Robins AFB, GA $2,496 $1,992 Rochester, NY $3,027 $2,601 Rock Island, IL $2,628 $2,250 Rome/Griffiss AFB, NY $3,090 $2,784 Sacramento, CA $3,318 $2,988 Saginaw, MI $1,938 $1,773 Salem, OR $3,009 $2,514 Salt Lake City, UT $2,946 $2,502 San Antonio, TX $2,307 $2,088 San Bernardino, CA $3,630 $3,375 San Diego, CA $5,082 $4,440 San Francisco, CA $6,444 $5,481 San Luis Obispo, CA $4,920 $4,047 Santa Clara County, CA $5,856 $5,055 Santa Fe/Los Alamos, NM $3,891 $3,522 Sault Ste Marie, MI $2,325 $1,923 Savannah, GA $3,036 $2,676 Scott AFB, IL $2,625 $2,073 Seattle, WA $4,554 $4,020 Seymour Johnson AFB, NC $2,472 $2,052 Shreveport/Barksdale AFB, LA $2,562 $2,112 Sioux Falls, SD $2,340 $2,046 Sitka, AK $3,639 $3,294 Sparta/Fort Mccoy, WI $2,094 $1,866 Spokane, WA $3,048 $2,658 Springfield, MO $2,376 $1,902 Springfield/Decatur, IL $2,238 $1,884 St Mary And Terrebonne, LA $2,331 $1,779 St. Louis, MO $3,048 $2,685 State College, PA $2,928 $2,388 Staten Island, NY $5,043 $4,341 Stevens Point, WI $1,878 $1,707 Stockton, CA $3,738 $3,075 Sumter/Shaw AFB, SC $2,361 $1,980 Syracuse, NY $3,039 $2,547 Tacoma, WA $3,324 $2,991 Tallahassee, FL $2,883 $2,259 Tampa, FL $3,255 $3,042 Terre Haute, IN $2,379 $1,884 Toledo, OH $2,544 $2,160 Topeka, KS $2,385 $1,935 Traverse City, MI $3,255 $2,898 Trenton, NJ $4,926 $4,119 Tulsa, OK $2,490 $1,998 Twenty Nine Palms MCB, CA $3,090 $2,646 Vallejo/Travis AFB, CA $3,762 $3,498 Vance AFB/Enid, OK $2,163 $1,623 Vandenberg Sfb, CA $4,113 $3,687 Ventura, CA $4,545 $4,080 Volusia County, FL $2,826 $2,538 Waco, TX $2,793 $2,199 Warrenton, VA $4,206 $3,480 Washington, DC Metro Area $4,410 $3,855 West Palm Beach, FL $4,443 $3,741 West Point, NY $4,884 $4,215 Westchester County, NY $7,470 $5,874 Whidbey Island, WA $3,279 $2,880 White Sands Mr/Las Cruces, NM $2,241 $1,977 Whiteman AFB, MO $2,517 $2,046 Wichita Fls/Sheppard AFB, TX $2,691 $2,187 Wichita/Mcconnell AFB, KS $2,232 $1,779 Wilkes-Barre/Scranton, PA $2,427 $1,953 Willow Grove, PA $3,714 $3,399 Wilmington, NC $3,018 $2,541 Worcester, MA $4,296 $3,528 Wright-Patterson AFB, OH $2,448 $1,938 Yakima, WA $3,015 $2,502 Youngstown, OH $1,809 $1,497 Yuma, AZ $2,283 $1,914
Other grades: O-3E BAH · O-5 BAH · O-4 PCS weight allowance
How much BAH does an O-4 get in 2026? It depends on the duty station. Across 299 military housing areas, an O-4 with dependents receives between $1,809 (Youngstown, OH) and $7,470 (Westchester County, NY) per month; the median is $2,904. Without dependents the median is $2,490.
Is BAH for an O-4 taxed? No. BAH is a tax-free allowance. It is paid monthly with your regular pay, based on the ZIP code of your duty station — not where you choose to live.
What decides the with-dependents rate? Having at least one dependent — a spouse or child, for example. The number of dependents does not change the amount.
Not listed: 39 rural county cost groups, which the DoD prices as groups of counties rather than named areas. Look them up by ZIP code in the calculator.
Source: 2026 BAH rates published by the Defense Travel Management Office (DoD). Rates are set per military housing area and paid by the ZIP code of your duty station. BaseNeed is not affiliated with the Department of Defense.
