What is O-4 BAH at Elizabeth City in 2026?

$2,589 per month without dependents ($31,068 per year), effective 01 JAN 2026. with dependents it is $3,009 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.

O-4 BAH at Elizabeth City 2026 — $2,589/mo without dependents

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

Elizabeth City, NC

O-4 · without dependents

$2,589/ month

$31,068 / year

At O-4, this is #140 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497

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

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,319 / mo gross

Other dependency status here$3,009 with 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

O-4 without dependents, nearest stations0 – $5,874 / month

Westchester County$5,874

Helena$2,619

Pittsburgh$2,604

Norfolk$2,601

Rochester$2,601

Elizabeth City$2,589

Eugene$2,583

Houston$2,580

County Cost Group 820$2,574

Barstow$2,550

Youngstown$1,497

Elizabeth City is #140 of 338. The spread between the dearest and cheapest station at this grade is $4,377 a month — $52,524 a year, untaxed.

Every pay grade at Elizabeth City0 – $2,688 / month

E-1$1,770

E-2$1,770

E-3$1,770

E-4$1,770

E-5$1,980

E-6$2,118

E-7$2,310

E-8$2,526

E-9$2,532

W-1$2,241

W-2$2,523

W-3$2,535

W-4$2,559

W-5$2,604

O-1E$2,505

O-2E$2,529

O-3E$2,547

O-1$2,097

O-2$2,442

O-3$2,538

O-4$2,589

O-5$2,607

O-6$2,643

O-7$2,688

Promoting to O-5 here adds $18 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 Westchester County at O-4 is worth $3,285 a month — about 183 promotions worth of housing allowance, at $18 per grade here.

Dependency status is worth 16% 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. $2,589 a month of BAH takes more than $2,589 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.

O-4 without dependents at Elizabeth City draws $2,589 per month in 2026

What this rate means

Things the rate table doesn't tell you