Outer Banks, NC BAH Rates
2026 Basic Allowance for Housing rates for Outer Banks, North Carolina (MHA: NC176).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $2,460 | $1,845 |
| E-2 (Private/Seaman Apprentice) | $2,460 | $1,845 |
| E-3 (PFC/Seaman) | $2,460 | $1,845 |
| E-4 (Specialist/Corporal) | $2,460 | $1,845 |
| E-5 (Sergeant) | $2,604 | $2,142 |
| E-6 (Staff Sergeant) | $2,946 | $2,325 |
| E-7 (Sergeant First Class) | $2,997 | $2,463 |
| E-8 (Master Sergeant) | $3,051 | $2,679 |
| E-9 (Sergeant Major) | $3,186 | $2,772 |
| W-1 (Warrant Officer) | $2,964 | $2,421 |
| W-2 (Chief Warrant Officer 2) | $3,018 | $2,676 |
| W-3 (Chief Warrant Officer 3) | $3,090 | $2,787 |
| W-4 (Chief Warrant Officer 4) | $3,219 | $2,952 |
| W-5 (Chief Warrant Officer 5) | $3,387 | $3,006 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $3,003 | $2,601 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $3,075 | $2,751 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $3,246 | $2,937 |
| O-1 (Second Lieutenant/Ensign) | $2,652 | $2,313 |
| O-2 (First Lieutenant/LTJG) | $2,943 | $2,562 |
| O-3 (Captain/Lieutenant) | $3,087 | $2,820 |
| O-4 (Major/LCDR) | $3,438 | $2,991 |
| O-5 (Lieutenant Colonel/CDR) | $3,696 | $3,018 |
| O-6 (Colonel/Captain) | $3,726 | $3,066 |
| O-7 (Brigadier General/RDML) | $3,753 | $3,120 |
Outer Banks, NC — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $2,460 to $3,696 — a $1,236 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for Outer Banks, NC.
BAH Rate History (Estimated)
BAH Rate History — E-5 in Outer Banks, NC
With Dependents • 2022–2026 (+$834 / +47.1%)
* Rates sourced from official DoD BAH rate publications for each year.
Outer Banks vs. Nearby NC Duty Stations
E-5 with dependents BAH comparison. Outer Banks has the highest rate among compared stations.
About BAH in Outer Banks, NC
The 2026 Basic Allowance for Housing rate for Outer Banks, North Carolina reflects the local cost of rental housing in the NC176 Military Housing Area. BAH rates are determined by surveying rental costs for various housing profiles in the area.
For an E-5 with dependents stationed in Outer Banks, the monthly BAH rate is $2,604, which comes to $31,248 per year. Without dependents, the same pay grade receives $2,142 per month.
BAH Rates by Rank in Outer Banks
View Outer Banks BAH rates broken down by specific pay grade: E-5 BAH rates, E-6 BAH rates, E-7 BAH rates, O-3 BAH rates, or browse all pay grades.
Using BAH Toward a VA Home Loan
Many service members in Outer Banks use their BAH to cover mortgage payments on a VA home loan. Use our BAH affordability tool to see what you can afford. Since BAH is non-taxable, it can stretch further than equivalent taxable income when qualifying for a mortgage.
Related Resources
- Historical BAH rates — See how Outer Banks rates changed from 2022 to 2026
- Compare BAH rates — Compare Outer Banks with another duty station
- All North Carolina duty stations