Updated February 2026
O-4 Pay 2026 — Major
Complete 2026 O-4 (Major) base pay table by years of service, plus BAH rates and total compensation breakdown. All rates include the 3.8% pay raise effective January 1, 2026.
Entry Pay (0 YOS)
$6,294.60/mo
$75,535.20/year
Max Pay
$10,509.90/mo
$126,118.80/year
BAH Range (w/ Dependents)
$1,809–$7,470
Across 338 locations
Officer BAS
$328.48/mo
Tax-free food allowance
O-4 Base Pay Table — 2026
| Years of Service | Monthly Pay | Annual Pay |
|---|---|---|
| 2 or less | $6,294.60 | $75,535.20 |
| 2 | $7,286.40 | $87,436.80 |
| 3 | $7,773.60 | $93,283.20 |
| 4 | $7,881.00 | $94,572.00 |
| 6 | $8,332.20 | $99,986.40 |
| 8 | $8,816.40 | $105,796.80 |
| 10 | $9,420.00 | $113,040.00 |
| 12 | $9,888.30 | $118,659.60 |
| 14 | $10,214.40 | $122,572.80 |
| 16 | $10,401.60 | $124,819.20 |
| 18 | $10,509.90 | $126,118.80 |
All amounts reflect the 3.8% pay raise effective January 1, 2026. Source: DFAS.
O-4 BAH Rates — 2026 (With Dependents)
BAH for an O-4 with dependents ranges from $1,809 to $7,470 per month, with a national average of approximately $3,096/mo across 338 locations.
Top 5 Highest BAH Locations
- Westchester County, Ny$7,470/mo
- New York City, Ny$6,459/mo
- San Francisco, Ca$6,444/mo
- Nantucket, Ma$6,306/mo
- Maui County, Hi$6,045/mo
Top 5 Lowest BAH Locations
- Youngstown, Oh$1,809/mo
- Stevens Point, Wi$1,878/mo
- Monroe, La$1,908/mo
- Cannon Afb/Clovis, Nm$1,920/mo
- Anniston/Fort Mcclellan, Al$1,935/mo
Total Compensation Example — O-4 at 8 Years
Base Pay (8 YOS)$8,816.40
BAH (National Average, w/ Dependents)$3,096
BAS (Officer)$328.48
Estimated Monthly Total$12,240.88
Estimated Annual Total$146,890.56
BAH and BAS are tax-free allowances. Actual total compensation varies by duty station and dependency status. Use the Military Pay Calculator for a personalized estimate.