E4 Navy Salary: Annual Income And Pay Breakdown

Serving in the United States Navy can be a rewarding and challenging career, with opportunities for personal and professional growth. One of the most significant benefits of serving in the Navy is the competitive salary and benefits package. In this article, we will explore the E4 Navy salary, including the annual income and pay breakdown for this rank.

E4 Navy Rank: Petty Officer Third Class

The E4 rank in the Navy is Petty Officer Third Class, which is the fourth enlisted rank in the Navy. This rank is above Petty Officer Third Class (E3) and below Petty Officer Second Class (E5). To achieve the rank of E4, sailors must have at least two years of service and have completed advanced training in their specific job specialty.

How Much Does an E4 in the Navy Make?

The salary for an E4 in the Navy varies based on time in service and the sailor's job specialty. According to the Navy's pay scale, the monthly base pay for an E4 is:

Less than two years of service: $2,357.40
Two years of service: $2,584.70
Three years of service: $2,832.10
Four years of service: $3,106.90
Six years of service: $3,434.10
Eight years of service: $3,770.50
Ten years of service: $4,104.90

To calculate the annual salary, we multiply the monthly base pay by 12. For example, an E4 with two years of service would have an annual salary of:

$2,584.70 x 12 = $31,016.40

E4 Navy Salary Breakdown

In addition to the base pay, Navy personnel also receive a variety of allowances and benefits, including:

Basic Allowance for Housing (BAH): This allowance varies based on location and can range from $800 to $2,000 per month.
Basic Allowance for Subsistence (BAS): This allowance is $369.39 per month for all personnel.
Subspecialty Pay: This pay varies based on the sailor's job specialty and can range from $100 to $500 per month.
Sea Pay: This pay is for personnel who serve on ships or submarines and can range from $150 to $500 per month.
Hazardous Duty Pay: This pay is for personnel who serve in hazardous duty positions and can range from $150 to $500 per month.

These allowances and benefits can significantly impact the total salary for an E4 in the Navy. For example, an E4 with two years of service who receives BAH, BAS, and sea pay could have a total annual salary of:

$31,016.40 (base pay) + $12,000 (BAH) + $4,430 (BAS) + $1,800 (sea pay) = $49,246.40

Other Benefits of Serving in the Navy

In addition to the competitive salary and allowances, serving in the Navy also provides a range of other benefits, including:

Comprehensive health care
Education assistance
Retirement plan
Home loan guarantees
Shopping privileges at Navy exchanges and commissaries
Access to recreational facilities and Morale, Welfare, and Recreation (MWR) programs

These benefits can be significant and can impact the overall compensation package for Navy personnel.

Education Opportunities in the Navy

The Navy offers a range of education opportunities for personnel, including:

Tuition Assistance (TA): This program provides up to 100% tuition reimbursement for college courses.
Navy College Program for Afloat Education (NCPACE): This program provides college courses on ships and submarines.
Navy College Program Distance Learning Partnership (NCPDLP): This program provides online college courses.
Naval Nuclear Power Program: This program provides education and training in nuclear power.
Officer Candidate School (OCS): This program provides training for officers.

These education opportunities can be significant and can impact the overall career advancement and earning potential for Navy personnel.

Special Pay for E4s in the Navy

In addition to the base pay and allowances, E4s in the Navy may also be eligible for special pay, including:

Special Duty Pay: This pay is for personnel who serve in special duty positions, such as recruiters or drill instructors.
Jump Pay: This pay is for personnel who serve in positions that require parachuting or other specialized skills.
Dive Pay: This pay is for personnel who serve in positions that require diving or other specialized skills.
Submarine Duty Pay: This pay is for personnel who serve on submarines.

These special pays can range from $100 to $1,000 per month and can significantly impact the total salary for an E4 in the Navy.

Retirement Benefits for E4s in the Navy

The Navy offers a range of retirement benefits for personnel, including:

Military Retirement Pay: This pay is based on years of service and can range from 40% to 75% of base pay.
Veterans' Preference: This program provides preference for veterans in federal hiring.
Home Loan Guarantees: This program provides guarantees for home loans for veterans.
Education Assistance: This program provides education assistance for veterans.

These retirement benefits can be significant and can impact the overall compensation package for Navy personnel.

Conclusion

Serving in the Navy can be a rewarding and challenging career, with opportunities for personal and professional growth. The E4 Navy salary, including the annual income and pay breakdown, can be competitive and can provide a range of benefits, including comprehensive health care, education assistance, and retirement plan. In addition to the base pay and allowances, E4s in the Navy may also be eligible for special pay, including special duty pay, jump pay, dive pay, and submarine duty pay. The Navy also offers a range of education opportunities, including tuition assistance, Navy college program, and officer candidate school. Overall, serving in the Navy can be a great way to serve your country while also providing for yourself and your family.

We invite you to share your thoughts and experiences about serving in the Navy and the E4 Navy salary. Do you have any questions or concerns about serving in the Navy? Share your comments below!