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-3 with dependents at Elizabeth City draws $2,670 per month in 2026

    Permalinkbahratedesk.com/elizabeth-city-nc/w-3/with/ExcelCSVDownloads cover this station.
    Elizabeth City, NC
    W-3 · with dependents
    $2,670/ month
    $32,040 / year
    At W-3, this is #153 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA NC181 · ZIPs 27906 27907 27909 27919 27921 27930 +4 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$3,423 / mo gross
    Other dependency status here$2,535 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 · W-3 · $2,670/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▲ RAISE+$405+$4,860/yr · like +$6,231 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    Gainesville$2,700
    Norfolk$2,697
    College Station$2,688
    El Centro$2,673
    Elizabeth City$2,670
    Pittsburgh$2,646
    Volusia County$2,637
    Wilmington$2,631
    County Cost Group 810$2,625
    Anniston$1,689

    Elizabeth City is #153 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 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 W-4 here adds $126 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 Westchester County at W-3 is worth $3,984 a month — about 32 promotions worth of housing allowance, at $126 per grade here.

    02

    Dependency status is worth 5% 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. $2,670 a month of BAH takes more than $2,670 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.