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

    O-1 without dependents at Outer Banks draws $2,313 per month in 2026

    Permalinkbahratedesk.com/outer-banks-nc/o-1/without/ExcelCSVDownloads cover this station.
    Outer Banks, NC
    O-1 · without dependents
    $2,313/ month
    $27,756 / year
    At O-1, this is #68 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,074
    MHA NC176 · ZIPs 27824 27826 27875 27885 27915 27920 +13 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,965 / mo gross
    Other dependency status here$2,652 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Outer Banks — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,460$1,845
    E-2$2,460$1,845
    E-3$2,460$1,845
    E-4$2,460$1,845
    E-5$2,604$2,142
    E-6$2,946$2,325
    E-7$2,997$2,463
    E-8$3,051$2,679
    E-9$3,186$2,772
    Warrant officer
    W-1$2,964$2,421
    W-2$3,018$2,676
    W-3$3,090$2,787
    W-4$3,219$2,952
    W-5$3,387$3,006
    Officer — prior enlisted
    O-1E$3,003$2,601
    O-2E$3,075$2,751
    O-3E$3,246$2,937
    Officer
    O-1$2,652$2,313
    O-2$2,943$2,562
    O-3$3,087$2,820
    O-4$3,438$2,991
    O-5$3,696$3,018
    O-6$3,726$3,066
    O-7$3,753$3,120
    PCS compareOuter Banks · O-1 · $2,313/mo
    Aberdeen Proving Grounds$2,055/mo · $24,660/yr
    ▼ CUT−$258−$3,096/yr · like −$3,969 of salary

    What this rate means

    O-1 without dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    Everett$2,385
    Boulder$2,370
    Stockton$2,331
    Tampa$2,328
    Outer Banks$2,313
    Santa Fe$2,310
    County Cost Group 870$2,301
    Dahlgren$2,301
    Fort Pierce$2,301
    Youngstown$1,074

    Outer Banks is #68 of 338. The spread between the dearest and cheapest station at this grade is $3,993 a month — $47,916 a year, untaxed.

    Every pay grade at Outer Banks0 – $3,120 / month
    E-1$1,845
    E-2$1,845
    E-3$1,845
    E-4$1,845
    E-5$2,142
    E-6$2,325
    E-7$2,463
    E-8$2,679
    E-9$2,772
    W-1$2,421
    W-2$2,676
    W-3$2,787
    W-4$2,952
    W-5$3,006
    O-1E$2,601
    O-2E$2,751
    O-3E$2,937
    O-1$2,313
    O-2$2,562
    O-3$2,820
    O-4$2,991
    O-5$3,018
    O-6$3,066
    O-7$3,120

    Promoting to O-2 here adds $249 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 Outer Banks to New York City at O-1 is worth $2,754 a month — about 11 promotions worth of housing allowance, at $249 per grade here.

    02

    Dependency status is worth 15% 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. $2,313 a month of BAH takes more than $2,313 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.