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
    With $3,438Without $2,991

    O-4 at Outer Banks draws $3,438 per month with dependents in 2026, $2,991 without

    Permalinkbahratedesk.com/outer-banks-nc/o-4/ExcelCSVDownloads cover this station.
    Outer Banks, NC
    O-4 · with dependents
    $3,438/ month
    $41,256 / year
    At O-4, this is #84 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA NC176 · ZIPs 27824 27826 27875 27885 27915 27920 +13 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,408 / mo gross
    Without dependents here$2,991 / mo
    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-4 · $3,438/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$42−$504/yr · like −$646 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Ballston Spa$3,549
    Eglin AFB$3,528
    Astoria$3,480
    Baltimore$3,477
    Outer Banks$3,438
    Philadelphia$3,435
    County Cost Group 860$3,429
    Denver$3,426
    Portland$3,420
    Youngstown$1,809

    Outer Banks is #84 of 338. The spread between the dearest and cheapest station at this grade is $5,661 a month — $67,932 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-5 here adds $258 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-4 is worth $4,032 a month — about 16 promotions worth of housing allowance, at $258 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. $3,438 a month of BAH takes more than $3,438 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.