What is O-1 BAH at Wilmington in 2026?

$2,100 per month with dependents ($25,200 per year), effective 01 JAN 2026. Without dependents it is $1,818 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-1 BAH at Wilmington 2026 — $2,100 with dependents, $1,818 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Wilmington, NC

O-1 · with dependents

$2,100/ month

$25,200 / year

At O-1, this is #170 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218

MHA NC186 · ZIPs 28401 28402 28403 28404 28405 28406 +23 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$2,692 / mo gross

Without dependents here$1,818 / mo

In government quarters, no dependents$50.10 / mo partial

Wilmington — full sheetTap a row

Grade	With 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

O-1 with dependents, nearest stations0 – $5,172 / month

San Francisco$5,172

Raleigh$2,127

Carlisle Barracks$2,121

County Cost Group 810$2,109

Duluth$2,106

Wilmington$2,100

Syracuse$2,097

Nellis AFB$2,094

Eastern Panhandle$2,091

Gainesville$2,085

Youngstown$1,218

Wilmington is #170 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 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

Promoting to O-2 here adds $396 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Wilmington to San Francisco at O-1 is worth $3,072 a month — about 8 promotions worth of housing allowance, at $396 per grade here.

Dependency status is worth 16% 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.

None of it is taxed. $2,100 a month of BAH takes more than $2,100 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-1 at Wilmington draws $2,100 per month with dependents in 2026, $1,818 without

What this rate means

Things the rate table doesn't tell you