What is E-5 BAH at Morehead in 2026?

$1,851 per month with dependents ($22,212 per year), effective 01 JAN 2026. without dependents it is $1,722 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 Morehead 2026 — $1,851/mo with dependents

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

Morehead/Cherry Pt MCAS, NC

E-5 · with dependents

$1,851/ month

$22,212 / year

At E-5, this is #211 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185

MHA NC177 · ZIPs 28509 28510 28511 28512 28515 28516 +32 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$2,373 / mo gross

Other dependency status here$1,722 without dependents

In government quarters, no dependents$50.10 / mo partial

Morehead — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,806	$1,683
E-2	$1,806	$1,683
E-3	$1,806	$1,683
E-4	$1,806	$1,683
E-5	$1,851	$1,722
E-6	$2,046	$1,758
E-7	$2,181	$1,806
E-8	$2,328	$1,896
E-9	$2,502	$1,944
Warrant officer
W-1	$2,064	$1,803
W-2	$2,241	$1,893
W-3	$2,424	$1,953
W-4	$2,529	$2,070
W-5	$2,658	$2,214
Officer — prior enlisted
O-1E	$2,205	$1,848
O-2E	$2,397	$1,932
O-3E	$2,550	$2,034
Officer
O-1	$1,884	$1,755
O-2	$2,043	$1,839
O-3	$2,421	$1,971
O-4	$2,697	$2,184
O-5	$2,898	$2,265
O-6	$2,919	$2,403
O-7	$2,940	$2,445

What this rate means

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

San Francisco$5,127

Lexington$1,875

Abilene$1,872

San Antonio (JBSA)$1,869

Pensacola$1,863

Morehead$1,851

Little Rock$1,848

Shreveport$1,845

Humboldt County$1,827

Tallahassee$1,824

Anniston$1,185

Morehead is #211 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 Morehead0 – $2,940 / month

E-1$1,806

E-2$1,806

E-3$1,806

E-4$1,806

E-5$1,851

E-6$2,046

E-7$2,181

E-8$2,328

E-9$2,502

W-1$2,064

W-2$2,241

W-3$2,424

W-4$2,529

W-5$2,658

O-1E$2,205

O-2E$2,397

O-3E$2,550

O-1$1,884

O-2$2,043

O-3$2,421

O-4$2,697

O-5$2,898

O-6$2,919

O-7$2,940

Promoting to E-6 here adds $195 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 Morehead to San Francisco at E-5 is worth $3,276 a month — about 17 promotions worth of housing allowance, at $195 per grade here.

Dependency status is worth 7% 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. $1,851 a month of BAH takes more than $1,851 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 Morehead draws $1,851 per month in 2026

What this rate means

Things the rate table doesn't tell you