Updated February 2026

BAH Rates Charlotte, NC 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Charlotte military housing area (MHA: NC179), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,169

$26,028/year

E-5 without Dependents

$1,719

$20,628/year

O-3 with Dependents

$2,472

$29,664/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,004	$24,048
E-2	$2,004	$24,048
E-3	$2,004	$24,048
E-4	$2,004	$24,048
E-5	$2,169	$26,028
E-6	$2,436	$29,232
E-7	$2,457	$29,484
E-8	$2,466	$29,592
E-9	$2,478	$29,736
Warrant Officer
W-1	$2,454	$29,448
W-2	$2,463	$29,556
W-3	$2,475	$29,700
W-4	$2,481	$29,772
W-5	$2,514	$30,168
Commissioned Officer (Prior Enlisted)
O-1E	$2,460	$29,520
O-2E	$2,469	$29,628
O-3E	$2,484	$29,808
Commissioned Officer
O-1	$2,211	$26,532
O-2	$2,433	$29,196
O-3	$2,472	$29,664
O-4	$2,520	$30,240
O-5	$2,577	$30,924
O-6	$2,595	$31,140
O-7	$2,610	$31,320

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,518	$18,216
E-2	$1,518	$18,216
E-3	$1,518	$18,216
E-4	$1,518	$18,216
E-5	$1,719	$20,628
E-6	$1,848	$22,176
E-7	$2,007	$24,084
E-8	$2,229	$26,748
E-9	$2,301	$27,612
Warrant Officer
W-1	$1,956	$23,472
W-2	$2,226	$26,712
W-3	$2,313	$27,756
W-4	$2,430	$29,160
W-5	$2,442	$29,304
Commissioned Officer (Prior Enlisted)
O-1E	$2,166	$25,992
O-2E	$2,283	$27,396
O-3E	$2,427	$29,124
Commissioned Officer
O-1	$1,833	$21,996
O-2	$2,118	$25,416
O-3	$2,337	$28,044
O-4	$2,433	$29,196
O-5	$2,445	$29,340
O-6	$2,448	$29,376
O-7	$2,466	$29,592

30 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Charlotte (NC179) Military Housing Area:

28031 28036 28078 28105 28134 28202 28203 28204 28205 28206 28207 28208 28209 28210 28211 28212 28213 28214 28215 28216 28217 28223 28226 28227 28262 28269 28270 28273 28277 28278

Frequently Asked Questions

What is the BAH rate for an E-5 in Charlotte?

The 2026 BAH rate for an E-5 with dependents in Charlotte, NC is $2,169 per month ($26,028 per year). Without dependents, the rate is $1,719 per month.

How many ZIP codes are in the Charlotte MHA?

The Charlotte Military Housing Area (NC179) includes 30 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all North Carolina BAH rates →

How Charlotte, NC BAH compares nationally

BAH for Charlotte, NC comes in below the national average — $2,169/mo for an E-5 with dependents, 5.2% under the $2,289 average across 299 MHAs (140th overall).

Statewide, this ranks 4th of 12 MHAs — between Outer Banks, NC ($2,604/mo, highest) and Seymour Johnson AFB, NC ($1,521/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $427/mo (25.2%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.