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 JB Lewis-McChord draws $2,991 per month in 2026

    Permalinkbahratedesk.com/jblm/o-4/without/ExcelCSVDownloads cover this station.
    Tacoma, WA
    O-4 · without dependents
    $2,991/ month
    $35,892 / year
    At O-4, this is #5 of 17 stations loaded · high Camp Pendleton $4,494 · low Fort Riley $1,842
    MHA code pending — loads with the DTMO ZIP file
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,835 / mo gross
    Other dependency status here$3,324 with dependents
    In government quarters, no dependents$50.10 / mo partial
    JB Lewis-McChord — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,370$2,034
    E-2$2,370$2,034
    E-3$2,370$2,034
    E-4$2,370$2,034
    E-5$2,556$2,121
    E-6$2,919$2,199
    E-7$2,994$2,376
    E-8$3,072$2,634
    E-9$3,180$2,736
    Warrant officer
    W-1$2,940$2,313
    W-2$3,024$2,631
    W-3$3,126$2,751
    W-4$3,201$2,931
    W-5$3,297$3,009
    Officer — prior enlisted
    O-1E$3,006$2,553
    O-2E$3,108$2,712
    O-3E$3,216$2,913
    Officer
    O-1$2,607$2,178
    O-2$2,916$2,496
    O-3$3,123$2,784
    O-4$3,324$2,991
    O-5$3,471$3,030
    O-6$3,501$3,102
    O-7$3,525$3,156
    PCS compareJB Lewis-McChord · O-4 · $2,991/mo
    Fort Bragg$2,088/mo · $25,056/yr
    ▼ CUT−$903−$10,836/yr · like −$13,892 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

    JB Lewis-McChord is #5 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 JB Lewis-McChord0 – $3,156 / month
    E-1$2,034
    E-2$2,034
    E-3$2,034
    E-4$2,034
    E-5$2,121
    E-6$2,199
    E-7$2,376
    E-8$2,634
    E-9$2,736
    W-1$2,313
    W-2$2,631
    W-3$2,751
    W-4$2,931
    W-5$3,009
    O-1E$2,553
    O-2E$2,712
    O-3E$2,913
    O-1$2,178
    O-2$2,496
    O-3$2,784
    O-4$2,991
    O-5$3,030
    O-6$3,102
    O-7$3,156

    Promoting to O-5 here adds $39 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 JB Lewis-McChord to Camp Pendleton at O-4 is worth $1,503 a month — about 39 promotions worth of housing allowance, at $39 per grade here.

    02

    Dependency status is worth 11% 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. $2,991 a month of BAH takes more than $2,991 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.