O-6 (Colonel) Pay with 4 Years of Service — 2026
An O-6 (Colonel) with 4 years of service earns $10,245.00 per month in base pay in 2026, which is $122,940.00 per year. Base pay is the taxable portion of military compensation and does not include housing or food allowances.
When you add the national average BAH of $3,428/mo (with dependents) and BAS of $328.48/mo, total monthly compensation comes to approximately $14,001. BAH and BAS are tax-free, making the effective compensation even higher than it appears.
Monthly Compensation Breakdown
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $10,245.00 | $10,245.00 |
| BAH (national avg) | $3,428 | $2,842 |
| BAS | $328.48 | $328.48 |
| Total | $14,001 | $13,415 |
BAH varies by location. Use the BAH Calculator for your exact rate.
O-6 Pay Progression by Years of Service
See how O-6 base pay changes as you gain more time in service:
| Years of Service | Monthly Base Pay | Annual |
|---|---|---|
| 0 years | $8,751.30 | $105,015.60 |
| 2 years | $9,613.80 | $115,365.60 |
| 3 years | $10,245.00 | $122,940.00 |
| 6 years | $10,284.30 | $123,411.60 |
| 8 years | $10,725.00 | $128,700.00 |
| 10 years | $10,783.50 | $129,402.00 |
| 14 years | $11,396.40 | $136,756.80 |
| 16 years | $12,479.70 | $149,756.40 |
| 18 years | $13,115.40 | $157,384.80 |
| 20 years | $13,751.10 | $165,013.20 |
How O-6 Compares to Other Ranks at 4 Years
| Rank | Base Pay (4 YOS) | Difference |
|---|---|---|
| O-5 | $8,894.10 | -$1,350.90 |
| O-6 | $10,245.00 | — |
| O-7 | $12,880.50 | +$2,635.50 |
More O-6 Pay Information
- O-6 with 2 years of service
- O-6 with 6 years of service
- Full O-6 Pay Table (all years)
- All Military Pay Charts
Frequently Asked Questions
How much does an O-6 make with 4 years of service?
An O-6 (Colonel) with 4 years of service earns $10,245.00/month in base pay ($122,940.00/year). With BAH and BAS, total compensation averages $14,001/month with dependents.
What is O-6 base pay at 4 years?
2026 O-6 base pay at 4 years of service is $10,245.00/month. This is the taxable portion of military pay.
Is military pay taxable?
Base pay is subject to federal income tax. BAH and BAS are tax-free. For an O-6, this means $3,756.48/month in allowances is untaxed, significantly reducing your effective tax rate.