2026 BAH Rates in North Carolina – Housing Allowance by ZIP
The 2026 Basic Allowance for Housing (BAH) rates in North Carolina are now active. These monthly, tax-free payments help service members cover off-base rent and housing costs across military hubs like Fort Liberty, Camp Lejeune, MCAS Cherry Point, and Seymour Johnson AFB. Your allowance is based on ZIP code, rank, and whether you have dependents.
BAH increases in 2026 were most noticeable in coastal areas and growing cities like Jacksonville and Fayetteville. For national comparisons, view our BAH trends tracker or explore VA mortgage options in our North Carolina VA loan guide.
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What Is BAH and Who Receives It in North Carolina?
BAH is a non-taxable monthly housing benefit paid to active-duty military personnel who live off base. In North Carolina, this includes those stationed at Fort Liberty (Fayetteville), Camp Lejeune (Jacksonville), MCAS Cherry Point (Havelock), and Seymour Johnson AFB (Goldsboro), along with military recruiters across the state.
How Are North Carolina BAH Rates Determined?
- ZIP Code: Areas like 28307 (Fort Liberty), 28547 (Camp Lejeune), and 27534 (Seymour Johnson AFB) are evaluated annually for rental cost trends.
- Pay Grade: Higher-ranking service members receive a larger housing allowance.
- Dependents: Members with dependents qualify for increased BAH to support family housing needs.
How to Use the BAH Rate Chart
- Find your assigned ZIP code or base region
- Select your pay grade (e.g., E-6, O-3)
- Check monthly rates for with or without dependents
How to Use Your BAH to Buy a Home in North Carolina
Instead of renting off base, many military families in North Carolina use their BAH toward a VA-backed home loan. In cities like Fayetteville, Havelock, and Goldsboro, monthly BAH may be enough to cover an entire mortgage — especially with no down payment required for VA-eligible buyers.
VA Loan Benefits for North Carolina Buyers:
- No down payment required for most properties
- No private mortgage insurance (PMI) ever required
- Flexible credit score minimums and manual underwriting
- Access to low VA mortgage rates
With competitive housing costs and strong VA loan support, using your BAH to buy in North Carolina can be a smart long-term investment.
North Carolina Housing Costs & BAH Impact
North Carolina offers one of the most military-friendly housing markets in the country. In many parts of the state — including Fayetteville, Jacksonville, and Goldsboro — BAH fully covers rent and utilities. In coastal areas and growing suburbs, 2026 BAH rates were adjusted to reflect steady rent increases. Overall, North Carolina’s housing affordability makes it a strong fit for maximizing your BAH.
Outer Banks, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,460 | $1,845 |
| E02 | $2,460 | $1,845 |
| E03 | $2,460 | $1,845 |
| E04 | $2,460 | $1,845 |
| E05 | $2,604 | $2,142 |
| E06 | $2,946 | $2,325 |
| E07 | $2,997 | $2,463 |
| E08 | $3,051 | $2,679 |
| E09 | $3,186 | $2,772 |
| W01 | $2,964 | $2,421 |
| W02 | $3,018 | $2,676 |
| W03 | $3,090 | $2,787 |
| W04 | $3,219 | $2,952 |
| W05 | $3,387 | $3,006 |
| O01E | $3,003 | $2,601 |
| O02E | $3,075 | $2,751 |
| O03E | $3,246 | $2,937 |
| O01 | $2,652 | $2,313 |
| O02 | $2,943 | $2,562 |
| O03 | $3,087 | $2,820 |
| O04 | $3,438 | $2,991 |
| O05 | $3,696 | $3,018 |
| O06 | $3,726 | $3,066 |
| O07 | $3,753 | $3,120 |
BAH for OUTER BANKS, NC includes the following zip codes: 27824, 27826, 27875, 27885, 27915, 27920, 27936, 27943, 27948, 27949, 27953, 27954, 27959, 27960, 27968, 27972, 27978, 27981, 27982
Morehead/Cherry PT MCAS, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,806 | $1,683 |
| E02 | $1,806 | $1,683 |
| E03 | $1,806 | $1,683 |
| E04 | $1,806 | $1,683 |
| E05 | $1,851 | $1,722 |
| E06 | $2,046 | $1,758 |
| E07 | $2,181 | $1,806 |
| E08 | $2,328 | $1,896 |
| E09 | $2,502 | $1,944 |
| W01 | $2,064 | $1,803 |
| W02 | $2,241 | $1,893 |
| W03 | $2,424 | $1,953 |
| W04 | $2,529 | $2,070 |
| W05 | $2,658 | $2,214 |
| O01E | $2,205 | $1,848 |
| O02E | $2,397 | $1,932 |
| O03E | $2,550 | $2,034 |
| O01 | $1,884 | $1,755 |
| O02 | $2,043 | $1,839 |
| O03 | $2,421 | $1,971 |
| O04 | $2,697 | $2,184 |
| O05 | $2,898 | $2,265 |
| O06 | $2,919 | $2,403 |
| O07 | $2,940 | $2,445 |
BAH for MOREHEAD/CHERRY PT MCAS, NC includes the following zip codes: 28509, 28510, 28511, 28512, 28515, 28516, 28519, 28520, 28523, 28524, 28526, 28527, 28528, 28529, 28531, 28532, 28533, 28537, 28552, 28553, 28556, 28557, 28560, 28561, 28562, 28563, 28564, 28570, 28571, 28575, 28577, 28579, 28581, 28583, 28586, 28587, 28589, 28594
Camp Lejeune, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,578 | $1,323 |
| E02 | $1,578 | $1,323 |
| E03 | $1,578 | $1,323 |
| E04 | $1,578 | $1,323 |
| E05 | $1,584 | $1,476 |
| E06 | $1,944 | $1,569 |
| E07 | $1,995 | $1,593 |
| E08 | $2,049 | $1,662 |
| E09 | $2,160 | $1,761 |
| W01 | $1,962 | $1,590 |
| W02 | $2,016 | $1,659 |
| W03 | $2,088 | $1,776 |
| W04 | $2,187 | $1,950 |
| W05 | $2,316 | $2,004 |
| O01E | $2,001 | $1,599 |
| O02E | $2,073 | $1,740 |
| O03E | $2,208 | $1,935 |
| O01 | $1,635 | $1,566 |
| O02 | $1,941 | $1,596 |
| O03 | $2,085 | $1,809 |
| O04 | $2,355 | $1,989 |
| O05 | $2,553 | $2,016 |
| O06 | $2,571 | $2,064 |
| O07 | $2,586 | $2,097 |
BAH for CAMP LEJEUNE, NC includes the following zip codes: 28445, 28460, 28539, 28540, 28541, 28542, 28543, 28544, 28545, 28546, 28547, 28574, 28582, 28584
Charlotte, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,004 | $1,518 |
| E02 | $2,004 | $1,518 |
| E03 | $2,004 | $1,518 |
| E04 | $2,004 | $1,518 |
| E05 | $2,169 | $1,719 |
| E06 | $2,436 | $1,848 |
| E07 | $2,457 | $2,007 |
| E08 | $2,466 | $2,229 |
| E09 | $2,478 | $2,301 |
| W01 | $2,454 | $1,956 |
| W02 | $2,463 | $2,226 |
| W03 | $2,475 | $2,313 |
| W04 | $2,481 | $2,430 |
| W05 | $2,514 | $2,442 |
| O01E | $2,460 | $2,166 |
| O02E | $2,469 | $2,283 |
| O03E | $2,484 | $2,427 |
| O01 | $2,211 | $1,833 |
| O02 | $2,433 | $2,118 |
| O03 | $2,472 | $2,337 |
| O04 | $2,520 | $2,433 |
| O05 | $2,577 | $2,445 |
| O06 | $2,595 | $2,448 |
| O07 | $2,610 | $2,466 |
BAH for CHARLOTTE, NC includes the following zip codes: 28006, 28012, 28016, 28021, 28025, 28026, 28027, 28031, 28032, 28034, 28035, 28036, 28052, 28053, 28054, 28055, 28056, 28070, 28075, 28077, 28078, 28081, 28082, 28083, 28098, 28101, 28105, 28106, 28107, 28120, 28124, 28126, 28130, 28134, 28164, 28201, 28202, 28203, 28204, 28205, 28206, 28207, 28208, 28209, 28210, 28211, 28212, 28213, 28214, 28215, 28216, 28217, 28218, 28219, 28220, 28221, 28222, 28223, 28224, 28226, 28227, 28228, 28229, 28230, 28231, 28232, 28233, 28234, 28235, 28236, 28237, 28241, 28242, 28243, 28244, 28246, 28247, 28253, 28254, 28255, 28256, 28258, 28260, 28262, 28263, 28265, 28266, 28269, 28270, 28271, 28272, 28273, 28274, 28275, 28277, 28278, 28280, 28281, 28282, 28284, 28285, 28287, 28288, 28289, 28290, 28296, 28297, 28299, 29703, 29704, 29707, 29708, 29710, 29715, 29716, 29717, 29726, 29730, 29731, 29732, 29733, 29734, 29742, 29743, 29745
Durham/Chapel Hill, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,995 | $1,602 |
| E02 | $1,995 | $1,602 |
| E03 | $1,995 | $1,602 |
| E04 | $1,995 | $1,602 |
| E05 | $2,118 | $1,770 |
| E06 | $2,391 | $1,878 |
| E07 | $2,436 | $1,998 |
| E08 | $2,484 | $2,178 |
| E09 | $2,631 | $2,250 |
| W01 | $2,409 | $1,965 |
| W02 | $2,454 | $2,175 |
| W03 | $2,520 | $2,262 |
| W04 | $2,673 | $2,394 |
| W05 | $2,868 | $2,445 |
| O01E | $2,439 | $2,115 |
| O02E | $2,508 | $2,235 |
| O03E | $2,703 | $2,382 |
| O01 | $2,160 | $1,869 |
| O02 | $2,388 | $2,082 |
| O03 | $2,517 | $2,289 |
| O04 | $2,931 | $2,430 |
| O05 | $3,231 | $2,451 |
| O06 | $3,258 | $2,496 |
| O07 | $3,279 | $2,538 |
BAH for DURHAM/CHAPEL HILL, NC includes the following zip codes: 27231, 27243, 27278, 27503, 27509, 27510, 27514, 27515, 27516, 27517, 27572, 27599, 27701, 27702, 27703, 27704, 27705, 27706, 27707, 27708, 27709, 27710, 27711, 27712, 27713, 27715, 27717, 27722
Elizabeth City, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,304 | $1,770 |
| E02 | $2,304 | $1,770 |
| E03 | $2,304 | $1,770 |
| E04 | $2,304 | $1,770 |
| E05 | $2,508 | $1,980 |
| E06 | $2,562 | $2,118 |
| E07 | $2,595 | $2,310 |
| E08 | $2,637 | $2,526 |
| E09 | $2,760 | $2,532 |
| W01 | $2,577 | $2,241 |
| W02 | $2,613 | $2,523 |
| W03 | $2,670 | $2,535 |
| W04 | $2,796 | $2,559 |
| W05 | $2,958 | $2,604 |
| O01E | $2,598 | $2,505 |
| O02E | $2,655 | $2,529 |
| O03E | $2,823 | $2,547 |
| O01 | $2,523 | $2,097 |
| O02 | $2,559 | $2,442 |
| O03 | $2,667 | $2,538 |
| O04 | $3,009 | $2,589 |
| O05 | $3,264 | $2,607 |
| O06 | $3,288 | $2,643 |
| O07 | $3,312 | $2,688 |
BAH for ELIZABETH CITY, NC includes the following zip codes: 27906, 27907, 27909, 27919, 27921, 27930, 27944, 27974, 27976, 27985
Fort Liberty/Pope, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,722 | $1,341 |
| E02 | $1,722 | $1,341 |
| E03 | $1,722 | $1,341 |
| E04 | $1,722 | $1,341 |
| E05 | $1,806 | $1,527 |
| E06 | $2,049 | $1,638 |
| E07 | $2,094 | $1,722 |
| E08 | $2,142 | $1,860 |
| E09 | $2,244 | $1,923 |
| W01 | $2,067 | $1,707 |
| W02 | $2,112 | $1,857 |
| W03 | $2,178 | $1,935 |
| W04 | $2,271 | $2,052 |
| W05 | $2,391 | $2,103 |
| O01E | $2,097 | $1,803 |
| O02E | $2,166 | $1,908 |
| O03E | $2,289 | $2,040 |
| O01 | $1,842 | $1,635 |
| O02 | $2,046 | $1,782 |
| O03 | $2,175 | $1,956 |
| O04 | $2,427 | $2,088 |
| O05 | $2,610 | $2,109 |
| O06 | $2,628 | $2,154 |
| O07 | $2,646 | $2,190 |
BAH for FORT LIBERTY/POPE, NC includes the following zip codes: 27237, 27242, 27259, 27281, 27325, 27330, 27331, 27332, 27376, 27501, 27505, 27506, 27521, 27543, 27546, 27552, 28301, 28302, 28303, 28304, 28305, 28306, 28307, 28308, 28309, 28310, 28311, 28312, 28314, 28315, 28319, 28323, 28326, 28327, 28331, 28334, 28335, 28339, 28340, 28342, 28348, 28350, 28355, 28356, 28357, 28358, 28359, 28360, 28362, 28364, 28368, 28369, 28370, 28371, 28372, 28373, 28374, 28375, 28376, 28377, 28378, 28383, 28384, 28386, 28387, 28388, 28390, 28391, 28394, 28395
Seymour Johnson AFB, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,500 | $1,365 |
| E02 | $1,500 | $1,365 |
| E03 | $1,500 | $1,365 |
| E04 | $1,500 | $1,365 |
| E05 | $1,521 | $1,428 |
| E06 | $1,950 | $1,479 |
| E07 | $2,052 | $1,539 |
| E08 | $2,160 | $1,620 |
| E09 | $2,295 | $1,734 |
| W01 | $1,971 | $1,509 |
| W02 | $2,094 | $1,608 |
| W03 | $2,229 | $1,752 |
| W04 | $2,322 | $1,968 |
| W05 | $2,436 | $2,073 |
| O01E | $2,067 | $1,551 |
| O02E | $2,208 | $1,707 |
| O03E | $2,340 | $1,944 |
| O01 | $1,578 | $1,476 |
| O02 | $1,947 | $1,542 |
| O03 | $2,226 | $1,794 |
| O04 | $2,472 | $2,052 |
| O05 | $2,649 | $2,109 |
| O06 | $2,667 | $2,208 |
| O07 | $2,685 | $2,244 |
BAH for SEYMOUR JOHNSON AFB, NC includes the following zip codes: 27504, 27524, 27530, 27531, 27532, 27533, 27534, 27542, 27555, 27568, 27569, 27576, 27577, 27593, 27830, 27863, 28333, 28365, 28501, 28502, 28503, 28504, 28525, 28551, 28572, 28578
Greensboro, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,680 | $1,260 |
| E02 | $1,680 | $1,260 |
| E03 | $1,680 | $1,260 |
| E04 | $1,680 | $1,260 |
| E05 | $1,809 | $1,440 |
| E06 | $2,109 | $1,581 |
| E07 | $2,163 | $1,683 |
| E08 | $2,220 | $1,875 |
| E09 | $2,319 | $1,956 |
| W01 | $2,127 | $1,650 |
| W02 | $2,184 | $1,872 |
| W03 | $2,262 | $1,968 |
| W04 | $2,340 | $2,115 |
| W05 | $2,445 | $2,175 |
| O01E | $2,169 | $1,806 |
| O02E | $2,247 | $1,938 |
| O03E | $2,358 | $2,100 |
| O01 | $1,851 | $1,551 |
| O02 | $2,106 | $1,770 |
| O03 | $2,259 | $1,995 |
| O04 | $2,472 | $2,157 |
| O05 | $2,631 | $2,187 |
| O06 | $2,649 | $2,238 |
| O07 | $2,664 | $2,274 |
BAH for GREENSBORO, NC includes the following zip codes: 27009, 27010, 27012, 27023, 27040, 27045, 27050, 27051, 27094, 27098, 27099, 27101, 27102, 27103, 27104, 27105, 27106, 27107, 27108, 27109, 27110, 27111, 27113, 27114, 27115, 27116, 27117, 27120, 27127, 27130, 27150, 27152, 27155, 27157, 27198, 27199, 27214, 27233, 27235, 27249, 27260, 27261, 27262, 27263, 27264, 27265, 27268, 27282, 27283, 27284, 27285, 27301, 27310, 27313, 27342, 27357, 27358, 27377, 27401, 27402, 27403, 27404, 27405, 27406, 27407, 27408, 27409, 27410, 27411, 27412, 27413, 27415, 27416, 27417, 27419, 27420, 27425, 27427, 27429, 27435, 27438, 27455, 27495, 27497, 27498, 27499
Raleigh, NC BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,947 | $1,515 |
| E02 | $1,947 | $1,515 |
| E03 | $1,947 | $1,515 |
| E04 | $1,947 | $1,515 |
| E05 | $2,091 | $1,695 |
| E06 | $2,319 | $1,812 |
| E07 | $2,343 | $1,950 |
| E08 | $2,373 | $2,142 |
| E09 | $2,445 | $2,202 |
| W01 | $2,337 | $1,908 |
| W02 | $2,355 | $2,139 |
| W03 | $2,394 | $2,211 |
| W04 | $2,466 | $2,319 |
| W05 | $2,562 | $2,349 |
| O01E | $2,346 | $2,088 |
| O02E | $2,385 | $2,187 |
| O03E | $2,481 | $2,310 |
| O01 | $2,127 | $1,800 |
| O02 | $2,316 | $2,046 |
| O03 | $2,391 | $2,232 |
| O04 | $2,589 | $2,334 |
| O05 | $2,736 | $2,352 |
| O06 | $2,757 | $2,370 |
| O07 | $2,775 | $2,409 |
BAH for RALEIGH, NC includes the following zip codes: 27502, 27511, 27512, 27513, 27518, 27519, 27520, 27523, 27526, 27527, 27528, 27529, 27539, 27540, 27545, 27557, 27560, 27562, 27571, 27587, 27588, 27591, 27592, 27597, 27601, 27602, 27603, 27604, 27605, 27606, 27607, 27608, 27609, 27610, 27611, 27612, 27613, 27614, 27615, 27616, 27617, 27619, 27620, 27622, 27623, 27624, 27625, 27626, 27627, 27628, 27629, 27634, 27635, 27636, 27640, 27650, 27656, 27658, 27661, 27668, 27675, 27676, 27690, 27695, 27697, 27698, 27699
Wilmington, NC BAH Rates
tr>W04$2,775$2,511
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,971 | $1,542 |
| E02 | $1,971 | $1,542 |
| E03 | $1,971 | $1,542 |
| E04 | $1,971 | $1,542 |
| E05 | $2,070 | $1,752 |
| E06 | $2,505 | $1,878 |
| E07 | $2,550 | $1,971 |
| E08 | $2,589 | $2,160 |
| E09 | $2,730 | $2,286 |
| W01 | $2,526 | $1,950 |
| W02 | $2,565 | $2,157 |
| W03 | $2,622 | $2,301 |
| W05 | $2,967 | $2,556 |
| O01E | $2,553 | $2,067 |
| O02E | $2,613 | $2,259 |
| O03E | $2,802 | $2,499 |
| O01 | $2,127 | $1,869 |
| O02 | $2,502 | $2,040 |
| O03 | $2,619 | $2,346 |
| O04 | $3,033 | $2,541 |
| O05 | $3,327 | $2,562 |
| O06 | $3,357 | $2,601 |
| O07 | $3,384 | $2,646 |
BAH for WILMINGTON, NC includes the following zip codes: 28401, 28402, 28403, 28404, 28405, 28406, 28407, 28408, 28409, 28410, 28411, 28412, 28420, 28422, 28428, 28429, 28449, 28451, 28452, 28459, 28461, 28462, 28465, 28467, 28468, 28469, 28470, 28479, 28480
Asheville, NC BAH Rates
tr>W04$3,048$2,595
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,106 | $1,629 |
| E02 | $2,106 | $1,629 |
| E03 | $2,106 | $1,629 |
| E04 | $2,106 | $1,629 |
| E05 | $2,265 | $1,830 |
| E06 | $2,580 | $1,959 |
| E07 | $2,673 | $2,109 |
| E08 | $2,775 | $2,331 |
| E09 | $2,991 | $2,418 |
| W01 | $2,598 | $2,061 |
| W02 | $2,715 | $2,328 |
| W03 | $2,841 | $2,430 |
| W05 | $3,297 | $2,697 |
| O01E | $2,688 | $2,262 |
| O02E | $2,823 | $2,397 |
| O03E | $3,084 | $2,571 |
| O01 | $2,310 | $1,944 |
| O02 | $2,577 | $2,214 |
| O03 | $2,838 | $2,463 |
| O04 | $3,384 | $2,673 |
| O05 | $3,771 | $2,829 |
| O06 | $3,804 | $2,853 |
| O07 | $3,834 | $2,877 |
BAH for ASHEVILLE, NC includes the following zip codes: 28701, 28704, 28709, 28711, 28715, 28728, 28730, 28748, 28757, 28770, 28776, 28778, 28787, 28801, 28802, 28803, 28804, 28805, 28806, 28810, 28813, 28814, 28815, 28816
