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.

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 Outer Banks, NC BAH compares nationally

BAH for Outer Banks, NC runs above the national average: $2,604/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (81st overall, 13.8% above average).

Within the state, this is the highest-rate MHA of 12; the lowest is Seymour Johnson AFB, NC at $1,521/mo for the same E-5 — a $1,083 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $540/mo (25.8%) 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.