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
    WithWithout

    W-5 with dependents at Charlotte draws $2,514 per month in 2026

    Permalinkbahratedesk.com/charlotte-nc/w-5/with/ExcelCSVDownloads cover this station.
    Charlotte, NC
    W-5 · with dependents
    $2,514/ month
    $30,168 / year
    At W-5, this is #221 of 338 stations loaded · high Westchester County $7,338 · low Youngstown $1,806
    MHA NC179 · ZIPs 28006 28012 28016 28021 28025 28026 +119 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$3,223 / mo gross
    Other dependency status here$2,442 without dependents
    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-5 · $2,514/mo
    Aberdeen Proving Grounds$3,348/mo · $40,176/yr
    ▲ RAISE+$834+$10,008/yr · like +$12,831 of salary

    What this rate means

    W-5 with dependents, every station0 – $7,338 / month
    Westchester County$7,338
    New York City$6,306
    San Francisco$6,297
    Nantucket$6,165
    Maui County$5,973
    Boston$5,805
    Santa Clara County$5,751
    Florida Keys$5,529
    Northern New Jersey$5,529
    Long Island$5,436
    Hanscom AFB$5,409
    Martha's Vineyard$5,334
    Kauai County$5,262
    Monterey$5,196
    Essex CO$5,181
    Miami$5,085
    Camp Pendleton$5,019
    San Diego$4,992
    Los Angeles$4,971
    Staten Island$4,968
    Portsmouth$4,905
    Trenton$4,836
    San Luis Obispo$4,806
    West Point$4,806
    Cape Cod-Plymouth$4,803
    Oakland$4,740
    Portland$4,740
    Honolulu County$4,692
    Fort Monmouth$4,653
    Perth Amboy$4,578
    Burlington$4,527
    Fitchburg$4,506
    Seattle$4,503
    Marin$4,497
    Ventura$4,497
    Manchester$4,473
    Newport$4,404
    West Palm Beach$4,371
    Washington$4,350
    Providence$4,272
    Worcester$4,212
    New Haven$4,206
    County Cost Group 890$4,173
    Warrenton$4,122
    Hawaii County$4,104
    Hartford$4,074
    Vandenberg SFB$4,065
    Indian Head Navordsta$3,969
    Boulder$3,963
    Atlantic City$3,954
    Chicago$3,900
    Santa Fe$3,870
    Riverside$3,855
    Brunswick$3,843
    JB McGuire-Dix-Lakehurst$3,831
    Juneau$3,831
    County Cost Group 880$3,807
    Austin$3,771
    Annapolis$3,762
    Everett$3,753
    Ann Arbor$3,735
    Vallejo$3,729
    JB Elmendorf-Richardson$3,723
    Madison$3,711
    Fort G. G. Meade$3,708
    Hampden County$3,702
    Quantico$3,687
    Stockton$3,672
    Willow Grove$3,669
    Ketchikan$3,660
    Sitka$3,618
    New London$3,603
    San Bernardino$3,597
    County Cost Group 870$3,573
    Cape May$3,570
    Edwards AFB$3,546
    Fort Detrick$3,525
    Eglin AFB$3,516
    Milwaukee$3,507
    Ballston Spa$3,504
    Kodiak Island$3,498
    Astoria$3,444
    Baltimore$3,429
    Denver$3,396
    Outer Banks$3,387
    County Cost Group 860$3,378
    Philadelphia$3,366
    Fort Pierce$3,360
    Portland$3,360
    Aberdeen Proving Grounds$3,348
    Great Lakes Navtracen$3,327
    Oxford$3,318
    Beale AFB$3,315
    Fort Myers Beach$3,315
    Corvallis$3,306
    JB Lewis-McChord$3,297
    Charlottesville$3,291
    County Cost Group 850$3,282
    Sacramento$3,276
    Asheville$3,270
    Bridgeport$3,267
    Port Angeles$3,258
    Whidbey Island$3,258
    Tampa$3,231
    Traverse City$3,231
    Bremerton$3,228
    Knoxville$3,195
    Dahlgren$3,183
    County Cost Group 840$3,180
    Fresno$3,174
    Fairbanks$3,171
    Detroit$3,159
    Allentown$3,156
    Minneapolis$3,144
    Beaufort$3,141
    Orlando$3,114
    County Cost Group 830$3,093
    College Station$3,090
    Patrick SFB$3,081
    Dover AFB$3,075
    Reno$3,075
    Humboldt County$3,063
    Rome$3,060
    Twenty Nine Palms MCB$3,051
    Buffalo$3,045
    Eugene$3,042
    Patuxent River$3,033
    Abilene$3,030
    Coastal Maine$3,027
    Spokane$3,021
    Dallas$3,018
    Syracuse$3,009
    St. Louis$3,006
    Pittsburgh$3,003
    Helena$3,000
    Norfolk$3,000
    Nashville$2,997
    Richmond$2,991
    Savannah$2,991
    County Cost Group 820$2,988
    Houston$2,988
    Rochester$2,988
    Fort Collins$2,985
    Gainesville$2,982
    Yakima$2,970
    Salem$2,967
    Elizabeth City$2,958
    Wilmington$2,958
    Barstow$2,946
    Salt Lake City$2,922
    Omaha$2,913
    Coos Bay$2,910
    Panama City$2,886
    Charleston$2,880
    State College$2,877
    County Cost Group 810$2,874
    Durham$2,868
    Fort Stewart$2,859
    Chattanooga$2,856
    Atlanta$2,841
    Bloomington$2,841
    Tallahassee$2,838
    Cincinnati$2,829
    El Centro$2,823
    Cleveland$2,817
    Carlisle Barracks$2,811
    New Orleans$2,805
    Volusia County$2,802
    Jackson$2,790
    Hampton$2,778
    Columbus$2,766
    Fort Carson$2,754
    County Cost Group 800$2,751
    Fort Campbell$2,751
    Myrtle Beach$2,751
    Eastern Panhandle$2,748
    Battle Creek$2,742
    Grand Haven$2,733
    Waco$2,730
    Corpus Christi$2,718
    Provo$2,718
    Dahlonega$2,706
    Fargo$2,706
    Grand Rapids$2,688
    Birmingham$2,682
    Fort Knox$2,679
    Louisville$2,679
    Cheyenne$2,676
    Ocala$2,676
    Auburn$2,673
    Bangor$2,667
    County Cost Group 790$2,667
    Des Moines$2,667
    Kings Bay$2,664
    Rapid City$2,664
    Morehead$2,658
    Lemoore NAS$2,643
    Wichita Fls$2,634
    Albuquerque$2,631
    Fort Drum$2,631
    Phoenix$2,622
    Johnson City$2,616
    Fort Worth$2,613
    Eastern Shore$2,610
    Mountain Home AFB$2,610
    Fayetteville$2,601
    Marquette$2,598
    Duluth$2,583
    County Cost Group 780$2,577
    Nellis AFB$2,577
    Rock Island$2,577
    Kansas City$2,574
    Boise$2,565
    Raleigh$2,562
    Scott AFB$2,562
    Jacksonville$2,550
    Fort Hood$2,544
    Roanoke$2,541
    Ogden$2,538
    Shreveport$2,520
    Charlotte$2,514
    Fort Gordon$2,514
    Lexington$2,514
    County Cost Group 770$2,502
    Fort Rucker$2,502
    Fort Leavenworth$2,496
    Malmstrom SFB$2,496
    Toledo$2,490
    Memphis$2,484
    Whiteman AFB$2,478
    Columbia$2,475
    Fallon NAS$2,475
    Baton Rouge$2,472
    Lincoln$2,472
    Champaign$2,466
    Lansing$2,466
    Laughlin AFB$2,466
    Fort Wayne$2,463
    Mobile$2,463
    Robins AFB$2,451
    Greensboro$2,445
    Brownsville$2,442
    Grand Forks$2,439
    Seymour Johnson AFB$2,436
    Indianapolis$2,433
    Tulsa$2,430
    Pensacola$2,427
    Greenville$2,424
    County Cost Group 760$2,421
    Huntsville$2,415
    China Lake$2,403
    Wright-Patterson AFB$2,397
    Fort Bragg$2,391
    Bismarck$2,385
    Lexington$2,379
    Wilkes-Barre$2,376
    Davis-Monthan AFB$2,373
    County Cost Group 750$2,367
    Paducah$2,355
    Columbia$2,352
    Fort Huachuca$2,343
    Minot AFB$2,343
    Akron$2,337
    Columbus AFB$2,337
    Topeka$2,337
    Fort Bliss$2,334
    Gulfport$2,331
    Terre Haute$2,322
    Springfield$2,319
    Camp Lejeune$2,316
    Morgantown$2,316
    Sumter$2,316
    Goodfellow AFB$2,310
    County Cost Group 740$2,307
    Sioux Falls$2,307
    Lubbock$2,289
    Moody AFB$2,289
    St Mary And Terrebonne$2,286
    San Antonio (JBSA)$2,280
    Little Rock$2,274
    County Cost Group 730$2,271
    Sault Ste Marie$2,268
    Fort Benning$2,262
    Lafayette$2,262
    Yuma$2,253
    Peoria$2,250
    County Cost Group 720$2,244
    Montgomery$2,244
    Beaumont$2,235
    Lake Charles$2,223
    Alexandria$2,220
    County Cost Group 710$2,220
    White Sands MR$2,220
    Albany$2,217
    Springfield$2,205
    County Cost Group 700$2,199
    Wichita$2,190
    County Cost Group 690$2,181
    Frankfort$2,175
    Meridian$2,169
    County Cost Group 680$2,166
    Fort Chaffee$2,166
    Charleston$2,157
    County Cost Group 670$2,157
    Oklahoma City$2,157
    County Cost Group 660$2,142
    Fort Riley$2,139
    Holloman AFB$2,136
    County Cost Group 650$2,133
    Fort Leonard Wood$2,130
    County Cost Group 640$2,124
    Hattiesburg$2,118
    County Cost Group 630$2,112
    Vance AFB$2,112
    County Cost Group 620$2,103
    Fort Polk$2,100
    County Cost Group 610$2,097
    Altus AFB$2,088
    County Cost Group 600$2,088
    County Cost Group 590$2,073
    Sparta$2,073
    County Cost Group 580$2,061
    Huntington$2,055
    Erie$2,049
    County Cost Group 570$2,046
    County Cost Group 560$2,037
    County Cost Group 550$2,025
    County Cost Group 540$2,016
    Fort Sill$2,013
    County Cost Group 530$2,007
    County Cost Group 520$2,001
    County Cost Group 510$1,998
    Saginaw$1,929
    Cannon AFB$1,917
    Anniston$1,899
    Monroe$1,884
    Stevens Point$1,860
    Youngstown$1,806

    Charlotte is #221 of 338. The spread between the dearest and cheapest station at this grade is $5,532 a month — $66,384 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 3% 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. $2,514 a month of BAH takes more than $2,514 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.