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 Fort Campbell draws $2,250 per month in 2026

    Permalinkbahratedesk.com/fort-campbell/o-4/without/ExcelCSVDownloads cover this station.
    Fort Campbell, KY
    O-4 · without dependents
    $2,250/ month
    $27,000 / year
    At O-4, this is #9 of 17 stations loaded · high Camp Pendleton $4,494 · low Fort Riley $1,842
    MHA KY106 · ZIPs 42223 37042 37040
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$2,885 / mo gross
    Other dependency status here$2,793 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Campbell — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,743$1,470
    E-2$1,743$1,470
    E-3$1,743$1,470
    E-4$1,743$1,470
    E-5$1,815$1,593
    E-6$2,100$1,671
    E-7$2,244$1,743
    E-8$2,400$1,878
    E-9$2,580$1,956
    Warrant officer
    W-1$2,121$1,731
    W-2$2,307$1,875
    W-3$2,499$1,968
    W-4$2,610$2,130
    W-5$2,751$2,277
    Officer — prior enlisted
    O-1E$2,271$1,812
    O-2E$2,472$1,938
    O-3E$2,634$2,091
    Officer
    O-1$1,857$1,668
    O-2$2,097$1,794
    O-3$2,496$1,995
    O-4$2,793$2,250
    O-5$3,006$2,334
    O-6$3,030$2,478
    O-7$3,048$2,520
    PCS compareFort Campbell · O-4 · $2,250/mo
    Fort Bragg$2,088/mo · $25,056/yr
    ▼ CUT−$162−$1,944/yr · like −$2,492 of salary

    What this rate means

    O-4 without dependents, every station0 – $4,494 / month
    Camp Pendleton$4,494
    San Diego$4,440
    Honolulu County$4,110
    JB Elmendorf-Richardson$3,051
    JB Lewis-McChord$2,991
    Norfolk$2,601
    Fort Stewart$2,490
    Fort Carson$2,484
    Fort Campbell$2,250
    Fort Bliss$2,157
    Fort Drum$2,115
    Fort Bragg$2,088
    San Antonio (JBSA)$2,088
    Fort Hood$2,076
    Fort Benning$1,998
    Camp Lejeune$1,989
    Fort Riley$1,842

    Fort Campbell is #9 of 17. The spread between the dearest and cheapest station at this grade is $2,652 a month — $31,824 a year, untaxed.

    Every pay grade at Fort Campbell0 – $2,520 / month
    E-1$1,470
    E-2$1,470
    E-3$1,470
    E-4$1,470
    E-5$1,593
    E-6$1,671
    E-7$1,743
    E-8$1,878
    E-9$1,956
    W-1$1,731
    W-2$1,875
    W-3$1,968
    W-4$2,130
    W-5$2,277
    O-1E$1,812
    O-2E$1,938
    O-3E$2,091
    O-1$1,668
    O-2$1,794
    O-3$1,995
    O-4$2,250
    O-5$2,334
    O-6$2,478
    O-7$2,520

    Promoting to O-5 here adds $84 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 Fort Campbell to Camp Pendleton at O-4 is worth $2,244 a month — about 27 promotions worth of housing allowance, at $84 per grade here.

    02

    Dependency status is worth 24% 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. $2,250 a month of BAH takes more than $2,250 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.