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

    E-4 with dependents at Elizabeth City draws $2,304 per month in 2026

    Permalinkbahratedesk.com/elizabeth-city-nc/e-4/with/ExcelCSVDownloads cover this station.
    Elizabeth City, NC
    E-4 · with dependents
    $2,304/ month
    $27,648 / year
    At E-4, this is #92 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA NC181 · ZIPs 27906 27907 27909 27919 27921 27930 +4 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$2,954 / mo gross
    Other dependency status here$1,770 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Elizabeth City — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,304$1,770
    E-2$2,304$1,770
    E-3$2,304$1,770
    E-4$2,304$1,770
    E-5$2,508$1,980
    E-6$2,562$2,118
    E-7$2,595$2,310
    E-8$2,637$2,526
    E-9$2,760$2,532
    Warrant officer
    W-1$2,577$2,241
    W-2$2,613$2,523
    W-3$2,670$2,535
    W-4$2,796$2,559
    W-5$2,958$2,604
    Officer — prior enlisted
    O-1E$2,598$2,505
    O-2E$2,655$2,529
    O-3E$2,823$2,547
    Officer
    O-1$2,523$2,097
    O-2$2,559$2,442
    O-3$2,667$2,538
    O-4$3,009$2,589
    O-5$3,264$2,607
    O-6$3,288$2,643
    O-7$3,312$2,688
    PCS compareElizabeth City · E-4 · $2,304/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▼ CUT−$36−$432/yr · like −$554 of salary

    What this rate means

    E-4 with dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    County Cost Group 860$2,325
    Patrick SFB$2,325
    Beaufort$2,319
    Dahlgren$2,307
    Elizabeth City$2,304
    Ann Arbor$2,292
    JB Elmendorf-Richardson$2,277
    Oxford$2,271
    Aberdeen Proving Grounds$2,268
    Youngstown$1,134

    Elizabeth City is #92 of 338. The spread between the dearest and cheapest station at this grade is $3,933 a month — $47,196 a year, untaxed.

    Every pay grade at Elizabeth City0 – $3,312 / month
    E-1$2,304
    E-2$2,304
    E-3$2,304
    E-4$2,304
    E-5$2,508
    E-6$2,562
    E-7$2,595
    E-8$2,637
    E-9$2,760
    W-1$2,577
    W-2$2,613
    W-3$2,670
    W-4$2,796
    W-5$2,958
    O-1E$2,598
    O-2E$2,655
    O-3E$2,823
    O-1$2,523
    O-2$2,559
    O-3$2,667
    O-4$3,009
    O-5$3,264
    O-6$3,288
    O-7$3,312

    Promoting to E-5 here adds $204 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 Elizabeth City to New York City at E-4 is worth $2,763 a month — about 14 promotions worth of housing allowance, at $204 per grade here.

    02

    Dependency status is worth 30% 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. $2,304 a month of BAH takes more than $2,304 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.