The United States Navy offers a comprehensive compensation package to its enlisted personnel, including a competitive annual salary, allowances, and benefits. For an E4 (Petty Officer Third Class) in the Navy, the annual income can vary based on factors such as time in service, deployment status, and family size. As of 2022, the basic pay for an E4 in the Navy ranges from $2,515.70 to $3,849.90 per month, depending on the individual's time in service.
According to the Navy's pay scale, an E4 with less than 2 years of service can expect to earn around $30,186 per year, while those with 6-8 years of service can earn up to $46,191 per year. Additionally, Navy personnel are entitled to a range of allowances, including Basic Allowance for Housing (BAH), Basic Allowance for Subsistence (BAS), and Uniform Allowance, which can increase their annual income by several thousand dollars. For example, the average BAH for an E4 with dependents is around $10,000 per year, while the average BAS is around $3,600 per year.
Key Points
- The annual income for an E4 in the Navy ranges from $30,186 to $46,191, depending on time in service.
- Allowances such as BAH, BAS, and Uniform Allowance can increase annual income by several thousand dollars.
- Navy personnel are also entitled to a range of benefits, including health insurance, retirement plans, and education assistance.
- The Navy's pay scale is adjusted annually to reflect changes in the cost of living and other factors.
- Individuals with specialized skills or certifications, such as aviation or nuclear power, may be eligible for additional pay and benefits.
Breakdown of E4 Annual Income

The annual income for an E4 in the Navy can be broken down into several components, including basic pay, allowances, and benefits. Basic pay is the primary component of an E4’s income and is based on their time in service and rank. Allowances, such as BAH and BAS, are designed to offset the costs of living and food, while benefits, such as health insurance and retirement plans, provide additional financial security.
Basic Pay
The basic pay for an E4 in the Navy ranges from 2,515.70 to 3,849.90 per month, depending on time in service. The following table shows the monthly basic pay for an E4 in the Navy, based on time in service:
Time in Service | Monthly Basic Pay |
---|---|
Less than 2 years | $2,515.70 |
2-3 years | $2,653.40 |
4-6 years | $3,049.50 |
6-8 years | $3,349.50 |
8-10 years | $3,649.50 |
10-12 years | $3,849.90 |

Allowances
In addition to basic pay, E4s in the Navy are entitled to a range of allowances, including BAH, BAS, and Uniform Allowance. These allowances are designed to offset the costs of living and food and can increase an individual’s annual income by several thousand dollars. The following table shows the average annual allowances for an E4 in the Navy:
Allowance | Average Annual Value |
---|---|
Basic Allowance for Housing (BAH) | $10,000 |
Basic Allowance for Subsistence (BAS) | $3,600 |
Uniform Allowance | $400 |
Benefits and Career Advancement

In addition to a competitive annual income, E4s in the Navy are also entitled to a range of benefits, including health insurance, retirement plans, and education assistance. These benefits can provide additional financial security and can help individuals advance their careers. For example, the Navy’s Tuition Assistance program provides up to $4,500 per year in education assistance, which can be used to pursue a degree or certification.
Navy personnel can also advance their careers through specialized training and certifications, such as aviation or nuclear power. These specialized skills can increase an individual's annual income and provide opportunities for career advancement. According to the Navy's career advancement website, E4s with specialized skills can earn up to $10,000 more per year than those without these skills.
What is the average annual income for an E4 in the Navy?
+The average annual income for an E4 in the Navy ranges from $30,186 to $46,191, depending on time in service and allowances.
What allowances are E4s in the Navy entitled to?
+E4s in the Navy are entitled to a range of allowances, including Basic Allowance for Housing (BAH), Basic Allowance for Subsistence (BAS), and Uniform Allowance.
How can E4s in the Navy advance their careers?
+E4s in the Navy can advance their careers through specialized training and certifications, such as aviation or nuclear power, and by pursuing higher education through the Navy's Tuition Assistance program.
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