Official data current

Wilmington BAH rates

Verified · Effective 2026-01-01 · MHA NC186

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E-5 · With dependents
$2,040per month

$24,480 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #174 of 338E-5 · with dependents reference
Taxable-pay equivalent$2,615/mo Using the stated 22% comparison rate
Year-over-year change−$30/mo · −1.4%2025 $2,070 → 2026 $2,040
E-5 rate selectedMHA NC186 ZIPs 28401 28402 28403 28404 28405 28406 +23
PCS compare Wilmington · E-5 · with dep. · $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.

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

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Rate history

How updates work
2025$2,070
2026$2,040

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Wilmington — full sheet Tap a row

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.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…