Updated February 2026

BAH Rates Elizabeth City, NC 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Elizabeth City military housing area (MHA: NC181), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,508

$30,096/year

E-5 without Dependents

$1,980

$23,760/year

O-3 with Dependents

$2,667

$32,004/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,304	$27,648
E-2	$2,304	$27,648
E-3	$2,304	$27,648
E-4	$2,304	$27,648
E-5	$2,508	$30,096
E-6	$2,562	$30,744
E-7	$2,595	$31,140
E-8	$2,637	$31,644
E-9	$2,760	$33,120
Warrant Officer
W-1	$2,577	$30,924
W-2	$2,613	$31,356
W-3	$2,670	$32,040
W-4	$2,796	$33,552
W-5	$2,958	$35,496
Commissioned Officer (Prior Enlisted)
O-1E	$2,598	$31,176
O-2E	$2,655	$31,860
O-3E	$2,823	$33,876
Commissioned Officer
O-1	$2,523	$30,276
O-2	$2,559	$30,708
O-3	$2,667	$32,004
O-4	$3,009	$36,108
O-5	$3,264	$39,168
O-6	$3,288	$39,456
O-7	$3,312	$39,744

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,770	$21,240
E-2	$1,770	$21,240
E-3	$1,770	$21,240
E-4	$1,770	$21,240
E-5	$1,980	$23,760
E-6	$2,118	$25,416
E-7	$2,310	$27,720
E-8	$2,526	$30,312
E-9	$2,532	$30,384
Warrant Officer
W-1	$2,241	$26,892
W-2	$2,523	$30,276
W-3	$2,535	$30,420
W-4	$2,559	$30,708
W-5	$2,604	$31,248
Commissioned Officer (Prior Enlisted)
O-1E	$2,505	$30,060
O-2E	$2,529	$30,348
O-3E	$2,547	$30,564
Commissioned Officer
O-1	$2,097	$25,164
O-2	$2,442	$29,304
O-3	$2,538	$30,456
O-4	$2,589	$31,068
O-5	$2,607	$31,284
O-6	$2,643	$31,716
O-7	$2,688	$32,256

1 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Elizabeth City (NC181) Military Housing Area:

27909

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Elizabeth City, NC is $2,508 per month ($30,096 per year). Without dependents, the rate is $1,980 per month.

How many ZIP codes are in the Elizabeth City MHA?

The Elizabeth City Military Housing Area (NC181) includes 1 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 Elizabeth City, NC BAH compares nationally

BAH for Elizabeth City, NC runs above the national average: $2,508/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (87th overall, 9.6% above average).

Statewide, this ranks 2nd 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 $415/mo (21.6%) 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.