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

Press Enter to look it up.

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 $2,040 Without $1,701

E-5 at Wilmington draws $2,040 per month with dependents in 2026, $1,701 without

Permalink bahratedesk.com/wilmington-nc/ Excel CSV
Wilmington, NC
E-5 · with dependents
$2,040/ month
$24,480 / year
At E-5, this is #174 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA NC186 · ZIPs 28401 28402 28403 28404 28405 28406 +23 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,615 / mo gross
Without dependents here $1,701 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Wilmington · E-5 · $2,040/mo
Wilmington $2,040/mo · $24,480/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Wilmington — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,932 $1,491
E-2 $1,932 $1,491
E-3 $1,932 $1,491
E-4 $1,932 $1,491
E-5 $2,040 $1,701
E-6 $2,502 $1,878
E-7 $2,547 $1,932
E-8 $2,595 $2,136
E-9 $2,736 $2,271
Warrant officer
W-1 $2,523 $1,905
W-2 $2,568 $2,133
W-3 $2,631 $2,289
W-4 $2,775 $2,508
W-5 $2,958 $2,559
Officer — prior enlisted
O-1E $2,553 $2,037
O-2E $2,619 $2,241
O-3E $2,805 $2,496
Officer
O-1 $2,100 $1,818
O-2 $2,496 $2,007
O-3 $2,628 $2,334
O-4 $3,018 $2,541
O-5 $3,303 $2,565
O-6 $3,327 $2,607
O-7 $3,351 $2,652

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Whidbey Island $2,073
Nellis AFB $2,070
Traverse City $2,070
County Cost Group 810 $2,064
Duluth $2,064
Eastern Panhandle $2,058
Provo $2,058
Astoria $2,055
Syracuse $2,049
Gainesville $2,040
Wilmington $2,040
Toledo $2,031
Salem $2,004
Barstow $2,001
Cleveland $1,998
Louisville $1,989
Chattanooga $1,986
El Centro $1,986
Kansas City $1,986
Rapid City $1,986
Twenty Nine Palms MCB $1,980
Anniston $1,185

Wilmington is #174 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Wilmington0 – $3,351 / month
E-1 $1,932
E-2 $1,932
E-3 $1,932
E-4 $1,932
E-5 $2,040
E-6 $2,502
E-7 $2,547
E-8 $2,595
E-9 $2,736
W-1 $2,523
W-2 $2,568
W-3 $2,631
W-4 $2,775
W-5 $2,958
O-1E $2,553
O-2E $2,619
O-3E $2,805
O-1 $2,100
O-2 $2,496
O-3 $2,628
O-4 $3,018
O-5 $3,303
O-6 $3,327
O-7 $3,351

The pay chart moves this allowance far less than the map does.

Moving from Wilmington to San Francisco at E-5 is worth $3,087 a month — about 7 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.