3. Policy. Navy policy restricts eligibility to berth ashore for single shipboard Sailors E-5 and E-4 (with greater than four years of service), contingent upon the approval of their commanding officer. This approval, however, does not constitute an authorization to receive a housing allowance, but simply allows the member to reside off the ship.
a. The shore-based facility commander shall make the determination whether the member will be berthed in single bachelor quarters or entitled to draw an off-base housing allowance. It should be noted that full utilization of BQ spaces should be ensured prior to authorization of BAH for shipboard E-4s over four years of service without dependents. However, senior personnel residing in the BQ will not be involuntarily displaced to provide berthing for single shipboard E-4 Sailors.
b. Single shipboard E-4 Sailors who were previously assigned to shore duty in the same geographic location will continue to receive BAH/OHA if continuing to permanently reside in non-government quarters. Upon completion of the sea duty assignment, the member will continue to receive BAH if reassigned to the same shore location. E-4 and E-5 Sailors will have their authorization to receive BAH reevaluated when executing PCS orders out of the geographical area.Quoted from OPNAVINST 7220.12 dated 24 Dec 05 found here:
http://doni.daps.dla.mil/Directives/07000%20Financial%20Management%20Services/07-200%20Disbursing%20Services/7220.12.pdf (I did a google search for "NAVY BAH Instruction, and it was the 1st one t6hat came up)
So, to answer your question, ion order to draw BAH you must meet the foolowing:
1. Single E-4 paying child support or
2. Any rank with dependents (effectively married with or without children, but may mean not married with children. However if that is you, you have some other major issues to deal with)
3. Single E-4 with more than 4 years active duty and single E-5 or above asssigned to a ship that meets the following requirements:
a. Authorized by your CO to live off the ship.
b. Authorized by Base CO to draw BAH based upon barracks occupancy (i.e. if the barracks are full of E-4's and below, you can draw BAH. If the barracks are empty, No BAH)
4. Single E-4 with more than 4 years active duty and single E-5 or above asssigned to a shore facility that meets the following requirements:
a. Authorized by your CO to live off the base.
b. Authorized by Base CO to draw BAH based upon barracks occupancy (i.e. if the barracks are full of E-4's and below, you can draw BAH. If the barracks are empty, No BAH).
So, hope that clears it up for you. BTW, if you ever have any questions about anything to do with the Navy or the government, do your damnedest to find and read the source document. Despite the fact that I have copied and pasted and quoted for you here, go read it for yourself. Always always do this. I have gotten my ass flamed for not going to source documents, and I have saved my ass (and once kept my wife employed for a year and a half) based upon going to the source document. If you can point to where it says in writing "do this, don't do that", there is not much room for anyone to argue (except for the SSORM, nobody follows that thing

).