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 $2,475Without $2,313

    W-3 at Charlotte draws $2,475 per month with dependents in 2026, $2,313 without

    Permalinkbahratedesk.com/charlotte-nc/w-3/ExcelCSVDownloads cover this station.
    Charlotte, NC
    W-3 · with dependents
    $2,475/ month
    $29,700 / year
    At W-3, this is #187 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA NC179 · ZIPs 28006 28012 28016 28021 28025 28026 +119 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$3,173 / mo gross
    Without dependents here$2,313 / 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 · W-3 · $2,475/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▲ RAISE+$600+$7,200/yr · like +$9,231 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    Fort Drum$2,478
    Hampton$2,478
    Rapid City$2,478
    Bloomington$2,475
    Charlotte$2,475
    Fort Worth$2,463
    Cleveland$2,460
    Lemoore NAS$2,454
    Cheyenne$2,445
    Anniston$1,689

    Charlotte is #187 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 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

    Promoting to W-4 here adds $6 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Charlotte to Westchester County at W-3 is worth $4,179 a month — about 697 promotions worth of housing allowance, at $6 per grade here.

    02

    Dependency status is worth 7% 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. $2,475 a month of BAH takes more than $2,475 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.