What is O-2 BAH at Morehead in 2026?

$2,043 per month with dependents ($24,516 per year), effective 01 JAN 2026. Without dependents it is $1,839 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-2 BAH at Morehead 2026 — $2,043 with dependents, $1,839 without

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

Morehead/Cherry Pt MCAS, NC

O-2 · with dependents

$2,043/ month

$24,516 / year

At O-2, this is #235 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332

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

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$2,619 / mo gross

Without dependents here$1,839 / mo

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

O-2 with dependents, nearest stations0 – $5,451 / month

San Francisco$5,451

County Cost Group 770$2,064

Tallahassee$2,058

Bangor$2,049

Fort Bragg$2,046

Morehead$2,043

Fayetteville$2,037

Shreveport$2,025

Sioux Falls$2,022

Marquette$2,007

Youngstown$1,332

Morehead is #235 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 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 O-3 here adds $378 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 O-2 is worth $3,408 a month — about 9 promotions worth of housing allowance, at $378 per grade here.

Dependency status is worth 11% 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. $2,043 a month of BAH takes more than $2,043 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-2 at Morehead draws $2,043 per month with dependents in 2026, $1,839 without

What this rate means

Things the rate table doesn't tell you