BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA

Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.

Or type your rank

Press Enter to look it up.

Enlisted
E-1E-2E-3E-4E-5E-6E-7E-8E-9
Warrant
W-1W-2W-3W-4W-5
Prior enl.
O-1EO-2EO-3E
Officer
O-1O-2O-3O-4O-5O-6O-7
Dependents
With $2,169 Without $1,719

E-5 at Charlotte draws $2,169 per month with dependents in 2026, $1,719 without

Permalink bahratedesk.com/charlotte-nc/ Excel CSV
Charlotte, NC
E-5 · with dependents
$2,169/ month
$26,028 / year
At E-5, this is #147 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA NC179 · ZIPs 28006 28012 28016 28021 28025 28026 +119 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,781 / mo gross
Without dependents here $1,719 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Charlotte · E-5 · $2,169/mo
Charlotte $2,169/mo · $26,028/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Charlotte — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,004 $1,518
E-2 $2,004 $1,518
E-3 $2,004 $1,518
E-4 $2,004 $1,518
E-5 $2,169 $1,719
E-6 $2,436 $1,848
E-7 $2,457 $2,007
E-8 $2,466 $2,229
E-9 $2,478 $2,301
Warrant officer
W-1 $2,454 $1,956
W-2 $2,463 $2,226
W-3 $2,475 $2,313
W-4 $2,481 $2,430
W-5 $2,514 $2,442
Officer — prior enlisted
O-1E $2,460 $2,166
O-2E $2,469 $2,283
O-3E $2,484 $2,427
Officer
O-1 $2,211 $1,833
O-2 $2,433 $2,118
O-3 $2,472 $2,337
O-4 $2,520 $2,433
O-5 $2,577 $2,445
O-6 $2,595 $2,448
O-7 $2,610 $2,466

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Albuquerque $2,211
Dahlonega $2,208
Brunswick $2,205
Coastal Maine $2,193
Houston $2,193
Eugene $2,187
Knoxville $2,184
Spokane $2,184
Grand Haven $2,181
Jacksonville $2,181
Charlotte $2,169
Panama City $2,163
County Cost Group 820 $2,160
Memphis $2,154
Grand Rapids $2,148
Lemoore NAS $2,139
Kings Bay $2,133
Salt Lake City $2,130
Eastern Shore $2,121
Durham $2,118
Fort Worth $2,118
Anniston $1,185

Charlotte is #147 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Charlotte0 – $2,610 / month
E-1 $2,004
E-2 $2,004
E-3 $2,004
E-4 $2,004
E-5 $2,169
E-6 $2,436
E-7 $2,457
E-8 $2,466
E-9 $2,478
W-1 $2,454
W-2 $2,463
W-3 $2,475
W-4 $2,481
W-5 $2,514
O-1E $2,460
O-2E $2,469
O-3E $2,484
O-1 $2,211
O-2 $2,433
O-3 $2,472
O-4 $2,520
O-5 $2,577
O-6 $2,595
O-7 $2,610

The pay chart moves this allowance far less than the map does.

Moving from Charlotte to San Francisco at E-5 is worth $2,958 a month — about 11 promotions at this grade. Where you are stationed outweighs rank, by a lot.

Things the rate table doesn't tell you

01

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

02

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

03

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.