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 without dependents at Elizabeth City draws $2,535 per month in 2026

    Permalinkbahratedesk.com/elizabeth-city-nc/w-3/without/ExcelCSVDownloads cover this station.
    Elizabeth City, NC
    W-3 · without dependents
    $2,535/ month
    $30,420 / year
    At W-3, this is #113 of 338 stations loaded · high San Francisco $5,301 · low Youngstown $1,341
    MHA NC181 · ZIPs 27906 27907 27909 27919 27921 27930 +4 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$3,250 / mo gross
    Other dependency status here$2,670 with 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 · $2,535/mo
    Aberdeen Proving Grounds$2,619/mo · $31,428/yr
    ▲ RAISE+$84+$1,008/yr · like +$1,292 of salary

    What this rate means

    W-3 without dependents, nearest stations0 – $5,301 / month
    San Francisco$5,301
    Charlottesville$2,556
    St. Louis$2,553
    Reno$2,544
    Savannah$2,538
    Elizabeth City$2,535
    Dahlgren$2,529
    Charleston$2,508
    Richmond$2,502
    County Cost Group 840$2,499
    Youngstown$1,341

    Elizabeth City is #113 of 338. The spread between the dearest and cheapest station at this grade is $3,960 a month — $47,520 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 W-4 here adds $24 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 San Francisco at W-3 is worth $2,766 a month — about 115 promotions worth of housing allowance, at $24 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. $2,535 a month of BAH takes more than $2,535 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.