O-1 BAH Rates in Charlotte, NC (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in Charlotte, NC is $2,211 per month with dependents and $1,833 per month without dependents. This rate is $124 below the national average for O-1.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-1 base pay of $4,320/mo (at 2 years of service) and BAS of $328.48/mo, total monthly compensation in Charlotte is approximately $6,859.48 with dependents or $6,481.48 without.

O-1 BAH: Charlotte vs National Average

	Charlotte	National Avg	Difference
With Dependents	$2,211	$2,335	−$124
Without Dependents	$1,833	$1,975	−$142

O-1 Total Monthly Compensation in Charlotte

Here is how O-1 pay breaks down for a service member with 2 years of service stationed in Charlotte:

Component	With Dependents	Without Dependents
Base Pay	$4,320	$4,320
BAH	$2,211	$1,833
BAS	$328.48	$328.48
Total	$6,859.48	$6,481.48

Base pay shown for 2 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.

Other Ranks in Charlotte

• E-3 — $2,004/mo
• E-4 — $2,004/mo
• E-5 — $2,169/mo
• E-6 — $2,436/mo
• E-7 — $2,457/mo
• O-2 — $2,433/mo
• O-3 — $2,472/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-1 in Charlotte?

The 2026 O-1 BAH rate in Charlotte is $2,211/mo with dependents and $1,833/mo without dependents.

What is the total monthly pay for O-1 in Charlotte?

An O-1 with 2 years of service in Charlotte earns approximately $6,859.48/mo total compensation with dependents (base pay $4,320 + BAH $2,211 + BAS $328.48). Without dependents: $6,481.48/mo.

Is Charlotte BAH above or below average?

O-1 BAH in Charlotte is $124 below the national average of $2,335/mo with dependents.

View all North Carolina BAH rates →