Updated February 2026

BAH Rates Wilmington, NC 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Wilmington military housing area (MHA: NC186), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,040

$24,480/year

E-5 without Dependents

$1,701

$20,412/year

O-3 with Dependents

$2,628

$31,536/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,932	$23,184
E-2	$1,932	$23,184
E-3	$1,932	$23,184
E-4	$1,932	$23,184
E-5	$2,040	$24,480
E-6	$2,502	$30,024
E-7	$2,547	$30,564
E-8	$2,595	$31,140
E-9	$2,736	$32,832
Warrant Officer
W-1	$2,523	$30,276
W-2	$2,568	$30,816
W-3	$2,631	$31,572
W-4	$2,775	$33,300
W-5	$2,958	$35,496
Commissioned Officer (Prior Enlisted)
O-1E	$2,553	$30,636
O-2E	$2,619	$31,428
O-3E	$2,805	$33,660
Commissioned Officer
O-1	$2,100	$25,200
O-2	$2,496	$29,952
O-3	$2,628	$31,536
O-4	$3,018	$36,216
O-5	$3,303	$39,636
O-6	$3,327	$39,924
O-7	$3,351	$40,212

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,491	$17,892
E-2	$1,491	$17,892
E-3	$1,491	$17,892
E-4	$1,491	$17,892
E-5	$1,701	$20,412
E-6	$1,878	$22,536
E-7	$1,932	$23,184
E-8	$2,136	$25,632
E-9	$2,271	$27,252
Warrant Officer
W-1	$1,905	$22,860
W-2	$2,133	$25,596
W-3	$2,289	$27,468
W-4	$2,508	$30,096
W-5	$2,559	$30,708
Commissioned Officer (Prior Enlisted)
O-1E	$2,037	$24,444
O-2E	$2,241	$26,892
O-3E	$2,496	$29,952
Commissioned Officer
O-1	$1,818	$21,816
O-2	$2,007	$24,084
O-3	$2,334	$28,008
O-4	$2,541	$30,492
O-5	$2,565	$30,780
O-6	$2,607	$31,284
O-7	$2,652	$31,824

10 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Wilmington (NC186) Military Housing Area:

28401 28403 28405 28409 28411 28412 28428 28429 28449 28480

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Wilmington, NC is $2,040 per month ($24,480 per year). Without dependents, the rate is $1,701 per month.

How many ZIP codes are in the Wilmington MHA?

The Wilmington Military Housing Area (NC186) includes 10 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.