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 $2,631Without $2,289

    W-3 at Wilmington draws $2,631 per month with dependents in 2026, $2,289 without

    Permalinkbahratedesk.com/wilmington-nc/w-3/ExcelCSVDownloads cover this station.
    Wilmington, NC
    W-3 · with dependents
    $2,631/ month
    $31,572 / year
    At W-3, this is #156 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA NC186 · ZIPs 28401 28402 28403 28404 28405 28406 +23 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$3,373 / mo gross
    Without dependents here$2,289 / mo
    In government quarters, no dependents$50.10 / mo partial
    Wilmington — full sheetTap 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
    PCS compareWilmington · W-3 · $2,631/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▲ RAISE+$444+$5,328/yr · like +$6,831 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    El Centro$2,673
    Elizabeth City$2,670
    Pittsburgh$2,646
    Volusia County$2,637
    Wilmington$2,631
    County Cost Group 810$2,625
    Cincinnati$2,607
    Omaha$2,604
    Fort Stewart$2,601
    Anniston$1,689

    Wilmington is #156 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 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 W-4 here adds $144 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 Wilmington to Westchester County at W-3 is worth $4,023 a month — about 28 promotions worth of housing allowance, at $144 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. $2,631 a month of BAH takes more than $2,631 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.