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-1E with dependents at Outer Banks draws $3,003 per month in 2026

    Permalinkbahratedesk.com/outer-banks-nc/o-1e/with/ExcelCSVDownloads cover this station.
    Outer Banks, NC
    O-1E · with dependents
    $3,003/ month
    $36,036 / year
    At O-1E, this is #85 of 338 stations loaded · high Westchester County $5,931 · low Youngstown $1,521
    MHA NC176 · ZIPs 27824 27826 27875 27885 27915 27920 +13 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$3,850 / mo gross
    Other dependency status here$2,601 without 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-1E · $3,003/mo
    Aberdeen Proving Grounds$2,883/mo · $34,596/yr
    ▼ CUT−$120−$1,440/yr · like −$1,846 of salary

    What this rate means

    O-1E with dependents, every station0 – $5,931 / month
    Westchester County$5,931
    San Francisco$5,493
    New York City$5,271
    Nantucket$5,262
    Maui County$5,127
    Northern New Jersey$5,076
    Santa Clara County$5,070
    Boston$4,962
    Long Island$4,896
    Martha's Vineyard$4,782
    Hanscom AFB$4,602
    Camp Pendleton$4,512
    San Diego$4,449
    Kauai County$4,440
    Florida Keys$4,413
    Staten Island$4,362
    Los Angeles$4,332
    Monterey$4,293
    West Point$4,230
    Oakland$4,218
    Fort Monmouth$4,188
    Cape Cod-Plymouth$4,179
    Perth Amboy$4,143
    Trenton$4,143
    Honolulu County$4,137
    Ventura$4,095
    Essex CO$4,089
    Miami$4,074
    San Luis Obispo$4,062
    Seattle$4,041
    Portsmouth$4,032
    Marin$3,960
    Burlington$3,942
    Hawaii County$3,879
    Portland$3,876
    Washington$3,870
    Manchester$3,837
    New Haven$3,771
    West Palm Beach$3,765
    Newport$3,753
    Fitchburg$3,729
    Chicago$3,726
    Providence$3,699
    Vandenberg SFB$3,699
    County Cost Group 890$3,654
    Riverside$3,612
    Worcester$3,549
    Santa Fe$3,540
    Hartford$3,519
    Vallejo$3,519
    Boulder$3,501
    Indian Head Navordsta$3,501
    Warrenton$3,501
    JB McGuire-Dix-Lakehurst$3,489
    Juneau$3,447
    Atlantic City$3,435
    Willow Grove$3,426
    San Bernardino$3,402
    Everett$3,384
    Fort G. G. Meade$3,333
    County Cost Group 880$3,324
    Annapolis$3,315
    Sitka$3,312
    Quantico$3,234
    Ann Arbor$3,198
    Edwards AFB$3,198
    New London$3,174
    Beale AFB$3,153
    Fort Detrick$3,144
    Madison$3,123
    Denver$3,120
    Cape May$3,117
    County Cost Group 870$3,114
    Hampden County$3,105
    Stockton$3,096
    Brunswick$3,090
    Austin$3,087
    JB Elmendorf-Richardson$3,078
    Tampa$3,069
    Ketchikan$3,060
    Ballston Spa$3,021
    Baltimore$3,009
    Fort Myers Beach$3,006
    JB Lewis-McChord$3,006
    Outer Banks$3,003
    Philadelphia$3,003
    Sacramento$3,000
    Kodiak Island$2,991
    Orlando$2,985
    Astoria$2,979
    Port Angeles$2,955
    County Cost Group 860$2,940
    Fort Pierce$2,934
    Traverse City$2,916
    Eglin AFB$2,910
    Milwaukee$2,910
    Patrick SFB$2,910
    Whidbey Island$2,901
    Bridgeport$2,895
    Oxford$2,886
    Aberdeen Proving Grounds$2,883
    Fresno$2,871
    Great Lakes Navtracen$2,871
    Portland$2,871
    Allentown$2,868
    Bremerton$2,865
    Charlottesville$2,856
    County Cost Group 850$2,853
    Abilene$2,847
    Beaufort$2,838
    Dallas$2,832
    Minneapolis$2,832
    Rome$2,796
    Corvallis$2,775
    Coastal Maine$2,769
    Dahlgren$2,766
    County Cost Group 840$2,760
    Knoxville$2,760
    Dover AFB$2,736
    Atlanta$2,733
    Reno$2,724
    Nashville$2,718
    St. Louis$2,694
    Savannah$2,688
    County Cost Group 830$2,685
    Asheville$2,682
    Richmond$2,682
    Spokane$2,679
    Detroit$2,664
    Twenty Nine Palms MCB$2,664
    Charleston$2,655
    Fort Collins$2,649
    Buffalo$2,646
    Fairbanks$2,646
    Helena$2,637
    Patuxent River$2,637
    Pittsburgh$2,631
    Rochester$2,619
    Norfolk$2,613
    Eugene$2,601
    Elizabeth City$2,598
    County Cost Group 820$2,592
    Houston$2,592
    Syracuse$2,571
    Barstow$2,568
    Cincinnati$2,556
    Panama City$2,556
    Birmingham$2,553
    Wilmington$2,553
    Volusia County$2,550
    Humboldt County$2,547
    Dahlonega$2,538
    Salem$2,532
    Salt Lake City$2,523
    Yakima$2,520
    College Station$2,517
    Grand Haven$2,508
    Fort Stewart$2,502
    Gainesville$2,502
    Fort Carson$2,496
    County Cost Group 810$2,487
    Phoenix$2,478
    Omaha$2,472
    Charlotte$2,460
    Carlisle Barracks$2,451
    Chattanooga$2,448
    Fort Worth$2,448
    New Orleans$2,448
    Cleveland$2,445
    Hampton$2,442
    Durham$2,439
    Battle Creek$2,430
    Coos Bay$2,427
    Grand Rapids$2,427
    Myrtle Beach$2,427
    Ocala$2,412
    Fargo$2,409
    State College$2,406
    Columbus$2,385
    County Cost Group 800$2,379
    El Centro$2,373
    Duluth$2,358
    Albuquerque$2,355
    Provo$2,355
    Eastern Shore$2,349
    Eastern Panhandle$2,346
    Lemoore NAS$2,346
    Raleigh$2,346
    Memphis$2,340
    Corpus Christi$2,328
    Louisville$2,322
    Rapid City$2,322
    Boise$2,313
    Cheyenne$2,313
    Jackson$2,307
    County Cost Group 790$2,304
    Des Moines$2,304
    Jacksonville$2,289
    Tallahassee$2,286
    Nellis AFB$2,277
    Ogden$2,277
    Bismarck$2,271
    Fort Campbell$2,271
    Kings Bay$2,265
    Rock Island$2,265
    Fort Knox$2,259
    Pensacola$2,259
    Bangor$2,250
    Indianapolis$2,247
    Fort Leavenworth$2,244
    Mountain Home AFB$2,244
    Kansas City$2,229
    County Cost Group 780$2,220
    Fort Huachuca$2,220
    Johnson City$2,220
    Baton Rouge$2,217
    Waco$2,217
    Morehead$2,205
    Wichita Fls$2,202
    Fort Gordon$2,193
    Toledo$2,187
    Lincoln$2,181
    Bloomington$2,175
    Fort Bliss$2,175
    Fayetteville$2,175
    Lexington$2,175
    Roanoke$2,172
    Greensboro$2,169
    Marquette$2,169
    Columbia$2,163
    County Cost Group 770$2,157
    Fort Wayne$2,157
    Davis-Monthan AFB$2,148
    Fort Drum$2,145
    Huntsville$2,139
    Greenville$2,130
    Shreveport$2,127
    Mobile$2,124
    San Antonio (JBSA)$2,115
    Fort Hood$2,100
    Fort Bragg$2,097
    Scott AFB$2,088
    Auburn$2,085
    Grand Forks$2,085
    County Cost Group 760$2,082
    Columbus AFB$2,076
    Seymour Johnson AFB$2,067
    Minot AFB$2,064
    Whiteman AFB$2,064
    Sioux Falls$2,058
    Lexington$2,052
    Champaign$2,040
    Lansing$2,040
    County Cost Group 750$2,034
    Fallon NAS$2,019
    Malmstrom SFB$2,013
    Robins AFB$2,013
    Tulsa$2,010
    Fort Benning$2,007
    Camp Lejeune$2,001
    Brownsville$1,992
    Goodfellow AFB$1,989
    Sumter$1,989
    White Sands MR$1,989
    County Cost Group 740$1,980
    Fort Rucker$1,968
    Wilkes-Barre$1,965
    Little Rock$1,962
    Morgantown$1,962
    Akron$1,953
    Frankfort$1,953
    Moody AFB$1,953
    Wright-Patterson AFB$1,953
    Topeka$1,950
    County Cost Group 730$1,947
    Beaumont$1,944
    Sault Ste Marie$1,944
    Paducah$1,941
    Peoria$1,935
    China Lake$1,932
    Yuma$1,929
    Lafayette$1,926
    County Cost Group 720$1,923
    Springfield$1,914
    County Cost Group 710$1,902
    Oklahoma City$1,902
    Springfield$1,899
    Terre Haute$1,899
    Holloman AFB$1,893
    Laughlin AFB$1,884
    Lubbock$1,884
    County Cost Group 700$1,881
    Sparta$1,878
    Fort Polk$1,875
    County Cost Group 690$1,866
    County Cost Group 680$1,854
    Fort Leonard Wood$1,854
    Fort Riley$1,854
    County Cost Group 670$1,845
    Columbia$1,839
    County Cost Group 660$1,833
    Huntington$1,833
    Montgomery$1,827
    County Cost Group 650$1,824
    County Cost Group 640$1,815
    County Cost Group 630$1,806
    Charleston$1,803
    Fort Chaffee$1,803
    St Mary And Terrebonne$1,803
    Gulfport$1,800
    County Cost Group 620$1,797
    Wichita$1,797
    Alexandria$1,794
    County Cost Group 610$1,791
    Saginaw$1,785
    County Cost Group 600$1,782
    Lake Charles$1,776
    County Cost Group 590$1,770
    County Cost Group 580$1,758
    Erie$1,758
    County Cost Group 570$1,746
    County Cost Group 560$1,737
    Stevens Point$1,734
    County Cost Group 550$1,728
    Meridian$1,722
    County Cost Group 540$1,719
    Cannon AFB$1,713
    County Cost Group 530$1,710
    County Cost Group 520$1,707
    County Cost Group 510$1,701
    Albany$1,695
    Altus AFB$1,680
    Hattiesburg$1,668
    Monroe$1,668
    Vance AFB$1,641
    Fort Sill$1,605
    Anniston$1,572
    Youngstown$1,521

    Outer Banks is #85 of 338. The spread between the dearest and cheapest station at this grade is $4,410 a month — $52,920 a year, untaxed.

    Every pay grade at Outer Banks0 – $3,753 / month
    E-1$2,460
    E-2$2,460
    E-3$2,460
    E-4$2,460
    E-5$2,604
    E-6$2,946
    E-7$2,997
    E-8$3,051
    E-9$3,186
    W-1$2,964
    W-2$3,018
    W-3$3,090
    W-4$3,219
    W-5$3,387
    O-1E$3,003
    O-2E$3,075
    O-3E$3,246
    O-1$2,652
    O-2$2,943
    O-3$3,087
    O-4$3,438
    O-5$3,696
    O-6$3,726
    O-7$3,753

    Promoting to O-2E here adds $72 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 Westchester County at O-1E is worth $2,928 a month — about 41 promotions worth of housing allowance, at $72 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. $3,003 a month of BAH takes more than $3,003 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.