What is E-5 BAH at Elizabeth City in 2026?

$2,508 per month with dependents ($30,096 per year), effective 01 JAN 2026. without dependents it is $1,980 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

E-5 BAH at Elizabeth City 2026 — $2,508/mo with dependents

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

Elizabeth City, NC

E-5 · with dependents

$2,508/ month

$30,096 / year

At E-5, this is #90 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185

MHA NC181 · ZIPs 27906 27907 27909 27919 27921 27930 +4 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$3,215 / mo gross

Other dependency status here$1,980 without dependents

In government quarters, no dependents$50.10 / mo partial

Elizabeth City — full sheetTap a row

Grade	With 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

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month

San Francisco$5,127

Ann Arbor$2,559

JB Lewis-McChord$2,556

Stockton$2,553

Minneapolis$2,541

Elizabeth City$2,508

Patrick SFB$2,502

County Cost Group 860$2,487

Aberdeen Proving Grounds$2,478

Dallas$2,469

Anniston$1,185

Elizabeth City is #90 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 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-6 here adds $54 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Elizabeth City to San Francisco at E-5 is worth $2,619 a month — about 49 promotions worth of housing allowance, at $54 per grade here.

Dependency status is worth 27% 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.

None of it is taxed. $2,508 a month of BAH takes more than $2,508 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

E-5 with dependents at Elizabeth City draws $2,508 per month in 2026

What this rate means

Things the rate table doesn't tell you