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-5 without dependents at Outer Banks draws $3,018 per month in 2026

    Permalinkbahratedesk.com/outer-banks-nc/o-5/without/ExcelCSVDownloads cover this station.
    Outer Banks, NC
    O-5 · without dependents
    $3,018/ month
    $36,216 / year
    At O-5, this is #88 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA NC176 · ZIPs 27824 27826 27875 27885 27915 27920 +13 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,869 / mo gross
    Other dependency status here$3,696 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-5 · $3,018/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$84−$1,008/yr · like −$1,292 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Baltimore$3,045
    Kodiak Island$3,039
    Fort Myers Beach$3,036
    JB Lewis-McChord$3,030
    Outer Banks$3,018
    Sacramento$3,003
    Milwaukee$2,994
    Philadelphia$2,985
    Port Angeles$2,982
    Youngstown$1,593

    Outer Banks is #88 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 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-6 here adds $48 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-5 is worth $3,144 a month — about 66 promotions worth of housing allowance, at $48 per grade here.

    02

    Dependency status is worth 22% 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. $3,018 a month of BAH takes more than $3,018 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.