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 Norfolk draws $2,601 per month in 2026

    Permalinkbahratedesk.com/norfolk/o-4/without/ExcelCSVDownloads cover this station.
    Norfolk/Portsmouth, VA
    O-4 · without dependents
    $2,601/ month
    $31,212 / year
    At O-4, this is #138 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA VA298 · ZIPs 23320 23321 23322 23323 23324 23325 +61 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$3,335 / mo gross
    Other dependency status here$3,054 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Norfolk — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,229$1,707
    E-2$2,229$1,707
    E-3$2,229$1,707
    E-4$2,229$1,707
    E-5$2,430$1,908
    E-6$2,559$2,043
    E-7$2,604$2,235
    E-8$2,661$2,463
    E-9$2,796$2,487
    Warrant officer
    W-1$2,574$2,166
    W-2$2,628$2,460
    W-3$2,697$2,496
    W-4$2,832$2,562
    W-5$3,000$2,616
    Officer — prior enlisted
    O-1E$2,613$2,427
    O-2E$2,685$2,481
    O-3E$2,859$2,547
    Officer
    O-1$2,454$2,022
    O-2$2,556$2,367
    O-3$2,694$2,505
    O-4$3,054$2,601
    O-5$3,318$2,625
    O-6$3,342$2,673
    O-7$3,366$2,718
    PCS compareNorfolk · O-4 · $2,601/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▲ RAISE+$264+$3,168/yr · like +$4,062 of salary

    What this rate means

    O-4 without dependents, every station0 – $5,874 / month
    Westchester County$5,874
    San Francisco$5,481
    New York City$5,247
    Nantucket$5,244
    Maui County$5,088
    Northern New Jersey$5,055
    Santa Clara County$5,055
    Boston$4,941
    Long Island$4,878
    Martha's Vineyard$4,758
    Hanscom AFB$4,584
    Camp Pendleton$4,494
    San Diego$4,440
    Kauai County$4,416
    Florida Keys$4,374
    Staten Island$4,341
    Los Angeles$4,314
    Monterey$4,245
    West Point$4,215
    Oakland$4,203
    Fort Monmouth$4,173
    Cape Cod-Plymouth$4,155
    Perth Amboy$4,128
    Trenton$4,119
    Honolulu County$4,110
    Ventura$4,080
    Essex CO$4,053
    San Luis Obispo$4,047
    Miami$4,041
    Seattle$4,020
    Portsmouth$3,993
    Marin$3,939
    Burlington$3,918
    Hawaii County$3,867
    Washington$3,855
    Portland$3,843
    Manchester$3,801
    New Haven$3,759
    West Palm Beach$3,741
    Newport$3,717
    Chicago$3,699
    Fitchburg$3,699
    Vandenberg SFB$3,687
    Providence$3,669
    County Cost Group 890$3,633
    Riverside$3,597
    Worcester$3,528
    Santa Fe$3,522
    Vallejo$3,498
    Hartford$3,495
    Indian Head Navordsta$3,483
    Boulder$3,480
    Warrenton$3,480
    JB McGuire-Dix-Lakehurst$3,477
    Juneau$3,432
    Atlantic City$3,417
    Willow Grove$3,399
    San Bernardino$3,375
    Everett$3,366
    Fort G. G. Meade$3,321
    County Cost Group 880$3,306
    Annapolis$3,300
    Sitka$3,294
    Quantico$3,222
    Edwards AFB$3,189
    Ann Arbor$3,180
    New London$3,156
    Fort Detrick$3,129
    Beale AFB$3,126
    Cape May$3,108
    Denver$3,108
    County Cost Group 870$3,096
    Madison$3,096
    Hampden County$3,075
    Stockton$3,075
    Austin$3,054
    JB Elmendorf-Richardson$3,051
    Tampa$3,042
    Brunswick$3,036
    Ketchikan$3,036
    Ballston Spa$3,000
    Baltimore$2,994
    Fort Myers Beach$2,991
    Outer Banks$2,991
    JB Lewis-McChord$2,991
    Sacramento$2,988
    Philadelphia$2,976
    Kodiak Island$2,970
    Orlando$2,958
    Astoria$2,955
    Port Angeles$2,940
    County Cost Group 860$2,922
    Fort Pierce$2,916
    Traverse City$2,898
    Milwaukee$2,883
    Patrick SFB$2,883
    Bridgeport$2,880
    Whidbey Island$2,880
    Oxford$2,871
    Aberdeen Proving Grounds$2,865
    Eglin AFB$2,865
    Fresno$2,859
    Great Lakes Navtracen$2,853
    Portland$2,853
    Bremerton$2,847
    Allentown$2,841
    Charlottesville$2,838
    County Cost Group 850$2,838
    Abilene$2,820
    Minneapolis$2,820
    Beaufort$2,817
    Dallas$2,811
    Rome$2,784
    Corvallis$2,763
    Coastal Maine$2,757
    Dahlgren$2,757
    County Cost Group 840$2,745
    Knoxville$2,742
    Reno$2,715
    Atlanta$2,706
    Dover AFB$2,706
    Nashville$2,706
    St. Louis$2,685
    Savannah$2,676
    Richmond$2,670
    Asheville$2,667
    County Cost Group 830$2,667
    Spokane$2,658
    Detroit$2,649
    Charleston$2,646
    Twenty Nine Palms MCB$2,646
    Buffalo$2,631
    Fort Collins$2,631
    Patuxent River$2,622
    Fairbanks$2,619
    Helena$2,619
    Pittsburgh$2,604
    Norfolk$2,601
    Rochester$2,601
    Elizabeth City$2,589
    Eugene$2,583
    Houston$2,580
    County Cost Group 820$2,574
    Barstow$2,550
    Syracuse$2,547
    Cincinnati$2,544
    Wilmington$2,541
    Panama City$2,538
    Volusia County$2,538
    Birmingham$2,523
    Humboldt County$2,520
    Salem$2,514
    Dahlonega$2,511
    Salt Lake City$2,502
    Yakima$2,502
    College Station$2,499
    Grand Haven$2,499
    Fort Stewart$2,490
    Fort Carson$2,484
    Gainesville$2,481
    County Cost Group 810$2,472
    Omaha$2,454
    Phoenix$2,451
    Carlisle Barracks$2,439
    Chattanooga$2,436
    New Orleans$2,436
    Charlotte$2,433
    Durham$2,430
    Hampton$2,427
    Fort Worth$2,421
    Battle Creek$2,418
    Cleveland$2,418
    Myrtle Beach$2,415
    Grand Rapids$2,403
    Ocala$2,403
    Coos Bay$2,400
    Fargo$2,397
    State College$2,388
    Columbus$2,364
    County Cost Group 800$2,361
    El Centro$2,346
    Albuquerque$2,343
    Eastern Shore$2,337
    Provo$2,337
    Lemoore NAS$2,334
    Raleigh$2,334
    Duluth$2,331
    Eastern Panhandle$2,331
    Memphis$2,313
    Corpus Christi$2,310
    Louisville$2,310
    Boise$2,304
    Rapid City$2,304
    Cheyenne$2,298
    Des Moines$2,289
    Jackson$2,289
    County Cost Group 790$2,286
    Jacksonville$2,277
    Nellis AFB$2,265
    Ogden$2,265
    Bismarck$2,259
    Tallahassee$2,259
    Fort Campbell$2,250
    Rock Island$2,250
    Kings Bay$2,247
    Fort Knox$2,241
    Indianapolis$2,238
    Mountain Home AFB$2,232
    Pensacola$2,232
    Bangor$2,226
    Fort Leavenworth$2,226
    Kansas City$2,217
    County Cost Group 780$2,205
    Johnson City$2,202
    Waco$2,199
    Fort Huachuca$2,193
    Baton Rouge$2,190
    Wichita Fls$2,187
    Bloomington$2,184
    Morehead$2,184
    Fort Gordon$2,181
    Lincoln$2,166
    Lexington$2,160
    Toledo$2,160
    Fort Bliss$2,157
    Fayetteville$2,157
    Greensboro$2,157
    Roanoke$2,154
    Columbia$2,151
    Marquette$2,148
    Fort Wayne$2,145
    County Cost Group 770$2,139
    Davis-Monthan AFB$2,139
    Huntsville$2,127
    Greenville$2,118
    Fort Drum$2,115
    Mobile$2,112
    Shreveport$2,112
    Fort Bragg$2,088
    San Antonio (JBSA)$2,088
    Fort Hood$2,076
    Scott AFB$2,073
    Grand Forks$2,070
    County Cost Group 760$2,067
    Columbus AFB$2,061
    Auburn$2,055
    Seymour Johnson AFB$2,052
    Minot AFB$2,049
    Sioux Falls$2,046
    Whiteman AFB$2,046
    Lexington$2,040
    Champaign$2,028
    Lansing$2,028
    County Cost Group 750$2,019
    Fort Benning$1,998
    Tulsa$1,998
    Fallon NAS$1,992
    Robins AFB$1,992
    Camp Lejeune$1,989
    Malmstrom SFB$1,989
    Sumter$1,980
    White Sands MR$1,977
    Brownsville$1,974
    Goodfellow AFB$1,968
    County Cost Group 740$1,965
    Wilkes-Barre$1,953
    Morgantown$1,950
    Fort Rucker$1,941
    Moody AFB$1,941
    Wright-Patterson AFB$1,938
    Akron$1,935
    Frankfort$1,935
    Little Rock$1,935
    Topeka$1,935
    County Cost Group 730$1,932
    Paducah$1,929
    Sault Ste Marie$1,923
    Peoria$1,920
    Beaumont$1,917
    Yuma$1,914
    China Lake$1,911
    Lafayette$1,911
    County Cost Group 720$1,908
    Springfield$1,902
    Laughlin AFB$1,896
    Oklahoma City$1,890
    County Cost Group 710$1,887
    Springfield$1,884
    Terre Haute$1,884
    Holloman AFB$1,869
    Lubbock$1,869
    County Cost Group 700$1,866
    Fort Polk$1,866
    Sparta$1,866
    County Cost Group 690$1,851
    Fort Riley$1,842
    County Cost Group 680$1,839
    Fort Leonard Wood$1,833
    County Cost Group 670$1,830
    Huntington$1,821
    County Cost Group 660$1,818
    Montgomery$1,815
    Columbia$1,812
    County Cost Group 650$1,809
    County Cost Group 640$1,800
    Charleston$1,791
    County Cost Group 630$1,791
    Fort Chaffee$1,785
    Gulfport$1,785
    County Cost Group 620$1,782
    Alexandria$1,779
    St Mary And Terrebonne$1,779
    Wichita$1,779
    County Cost Group 610$1,776
    Saginaw$1,773
    County Cost Group 600$1,767
    County Cost Group 590$1,755
    Lake Charles$1,755
    County Cost Group 580$1,743
    Erie$1,743
    County Cost Group 570$1,731
    County Cost Group 560$1,722
    County Cost Group 550$1,713
    Stevens Point$1,707
    Albany$1,704
    County Cost Group 540$1,704
    County Cost Group 530$1,698
    Meridian$1,698
    Cannon AFB$1,695
    County Cost Group 520$1,692
    County Cost Group 510$1,689
    Altus AFB$1,662
    Monroe$1,659
    Hattiesburg$1,647
    Vance AFB$1,623
    Fort Sill$1,587
    Anniston$1,557
    Youngstown$1,497

    Norfolk is #138 of 338. The spread between the dearest and cheapest station at this grade is $4,377 a month — $52,524 a year, untaxed.

    Every pay grade at Norfolk0 – $2,718 / month
    E-1$1,707
    E-2$1,707
    E-3$1,707
    E-4$1,707
    E-5$1,908
    E-6$2,043
    E-7$2,235
    E-8$2,463
    E-9$2,487
    W-1$2,166
    W-2$2,460
    W-3$2,496
    W-4$2,562
    W-5$2,616
    O-1E$2,427
    O-2E$2,481
    O-3E$2,547
    O-1$2,022
    O-2$2,367
    O-3$2,505
    O-4$2,601
    O-5$2,625
    O-6$2,673
    O-7$2,718

    Promoting to O-5 here adds $24 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 Norfolk to Westchester County at O-4 is worth $3,273 a month — about 136 promotions worth of housing allowance, at $24 per grade here.

    02

    Dependency status is worth 17% 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. $2,601 a month of BAH takes more than $2,601 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.