Updated February 2026
W-4 Pay 2026 — CW4
Complete 2026 W-4 (CW4) 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)
$5,702.70/mo
$68,432.40/year
Max Pay
$10,045.50/mo
$120,546.00/year
BAH Range (w/ Dependents)
$1,779–$6,963
Across 338 locations
Officer BAS
$328.48/mo
Tax-free food allowance
W-4 Base Pay Table — 2026
| Years of Service | Monthly Pay | Annual Pay |
|---|---|---|
| 2 or less | $5,702.70 | $68,432.40 |
| 2 | $6,135.60 | $73,627.20 |
| 3 | $6,318.60 | $75,823.20 |
| 4 | $6,504.60 | $78,055.20 |
| 6 | $6,808.50 | $81,702.00 |
| 8 | $7,111.50 | $85,338.00 |
| 10 | $7,411.50 | $88,938.00 |
| 12 | $7,800.30 | $93,603.60 |
| 14 | $8,185.80 | $98,229.60 |
| 16 | $8,576.40 | $102,916.80 |
| 18 | $8,876.10 | $106,513.20 |
| 20 | $9,171.30 | $110,055.60 |
| 22 | $9,460.20 | $113,522.40 |
| 24 | $9,700.50 | $116,406.00 |
| 26 | $10,045.50 | $120,546.00 |
All amounts reflect the 3.8% pay raise effective January 1, 2026. Source: DFAS.
W-4 BAH Rates — 2026 (With Dependents)
BAH for an W-4 with dependents ranges from $1,779 to $6,963 per month, with a national average of approximately $2,906/mo across 338 locations.
Top 5 Highest BAH Locations
- Westchester County, Ny$6,963/mo
- San Francisco, Ca$5,892/mo
- New York City, Ny$5,883/mo
- Nantucket, Ma$5,772/mo
- Maui County, Hi$5,760/mo
Top 5 Lowest BAH Locations
- Stevens Point, Wi$1,779/mo
- Anniston/Fort Mcclellan, Al$1,782/mo
- Youngstown, Oh$1,785/mo
- Monroe, La$1,797/mo
- Fort Sill/Lawton, Ok$1,872/mo
Total Compensation Example — W-4 at 12 Years
Base Pay (12 YOS)$7,800.30
BAH (National Average, w/ Dependents)$2,906
BAS (Officer)$328.48
Estimated Monthly Total$11,034.78
Estimated Annual Total$132,417.36
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.