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
    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 $2,484Without $2,427

    O-3E at Charlotte draws $2,484 per month with dependents in 2026, $2,427 without

    Permalinkbahratedesk.com/charlotte-nc/o-3e/ExcelCSVDownloads cover this station.
    Charlotte, NC
    O-3E · with dependents
    $2,484/ month
    $29,808 / year
    At O-3E, this is #208 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA NC179 · ZIPs 28006 28012 28016 28021 28025 28026 +119 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,185 / mo gross
    Without dependents here$2,427 / mo
    In government quarters, no dependents$50.10 / mo partial
    Charlotte — full sheetTap 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
    PCS compareCharlotte · O-3E · $2,484/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$738+$8,856/yr · like +$11,354 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Johnson City$2,490
    Wichita Fls$2,490
    Fayetteville$2,487
    Nellis AFB$2,487
    Charlotte$2,484
    Raleigh$2,481
    Duluth$2,478
    Mountain Home AFB$2,478
    Boise$2,475
    Youngstown$1,788

    Charlotte is #208 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 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

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 2% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $2,484 a month of BAH takes more than $2,484 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    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.