What is O-3E BAH at Morehead in 2026?

$2,550 per month with dependents ($30,600 per year), effective 01 JAN 2026. without dependents it is $2,034 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-3E BAH at Morehead 2026 — $2,550/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

O-3E · with dependents

$2,550/ month

$30,600 / year

At O-3E, this is #197 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788

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

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Untaxed — matching it with taxable pay takes$3,269 / mo gross

Other dependency status here$2,034 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

O-3E with dependents, nearest stations0 – $7,023 / month

Westchester County$7,023

Fort Knox$2,559

Auburn$2,556

Lemoore NAS$2,553

Kings Bay$2,550

Morehead$2,550

Louisville$2,547

Phoenix$2,547

Fort Worth$2,526

Albuquerque$2,520

Youngstown$1,788

Morehead is #197 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 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

Rates flatten out at the top of each track, which is why the sheet stops at O-7.

Dependency status is worth 25% 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. $2,550 a month of BAH takes more than $2,550 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-3E with dependents at Morehead draws $2,550 per month in 2026

What this rate means

Things the rate table doesn't tell you