Updated February 2026

BAH Rates Outer Banks, NC 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Outer Banks military housing area (MHA: NC176), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,604

$31,248/year

E-5 without Dependents

$2,142

$25,704/year

O-3 with Dependents

$3,087

$37,044/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,460	$29,520
E-2	$2,460	$29,520
E-3	$2,460	$29,520
E-4	$2,460	$29,520
E-5	$2,604	$31,248
E-6	$2,946	$35,352
E-7	$2,997	$35,964
E-8	$3,051	$36,612
E-9	$3,186	$38,232
Warrant Officer
W-1	$2,964	$35,568
W-2	$3,018	$36,216
W-3	$3,090	$37,080
W-4	$3,219	$38,628
W-5	$3,387	$40,644
Commissioned Officer (Prior Enlisted)
O-1E	$3,003	$36,036
O-2E	$3,075	$36,900
O-3E	$3,246	$38,952
Commissioned Officer
O-1	$2,652	$31,824
O-2	$2,943	$35,316
O-3	$3,087	$37,044
O-4	$3,438	$41,256
O-5	$3,696	$44,352
O-6	$3,726	$44,712
O-7	$3,753	$45,036

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,845	$22,140
E-2	$1,845	$22,140
E-3	$1,845	$22,140
E-4	$1,845	$22,140
E-5	$2,142	$25,704
E-6	$2,325	$27,900
E-7	$2,463	$29,556
E-8	$2,679	$32,148
E-9	$2,772	$33,264
Warrant Officer
W-1	$2,421	$29,052
W-2	$2,676	$32,112
W-3	$2,787	$33,444
W-4	$2,952	$35,424
W-5	$3,006	$36,072
Commissioned Officer (Prior Enlisted)
O-1E	$2,601	$31,212
O-2E	$2,751	$33,012
O-3E	$2,937	$35,244
Commissioned Officer
O-1	$2,313	$27,756
O-2	$2,562	$30,744
O-3	$2,820	$33,840
O-4	$2,991	$35,892
O-5	$3,018	$36,216
O-6	$3,066	$36,792
O-7	$3,120	$37,440

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Outer Banks, NC is $2,604 per month ($31,248 per year). Without dependents, the rate is $2,142 per month.

How many ZIP codes are in the Outer Banks MHA?

The Outer Banks Military Housing Area code is NC176.

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.