BAH 2026Military housing area NC176
Outer Banks, NC BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Outer Banks, NC military housing area, with and without dependents, and the 19 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,604a month84th highest of 338
- E‑5 without dependents
- $2,142a month
- O‑3 with dependents
- $3,087a month90th highest of 338
- ZIP codes
- 19in this DoD area
Outer Banks, NC pays $2,604 a month for an E‑5 with dependents: the 84th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for NC176. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,460 | $1,845 |
| E‑2 | $2,460 | $1,845 |
| E‑3 | $2,460 | $1,845 |
| E‑4 | $2,460 | $1,845 |
| E‑5 | $2,604 | $2,142 |
| E‑6 | $2,946 | $2,325 |
| E‑7 | $2,997 | $2,463 |
| E‑8 | $3,051 | $2,679 |
| E‑9 | $3,186 | $2,772 |
| Warrant officers | ||
| W‑1 | $2,964 | $2,421 |
| W‑2 | $3,018 | $2,676 |
| W‑3 | $3,090 | $2,787 |
| W‑4 | $3,219 | $2,952 |
| W‑5 | $3,387 | $3,006 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,003 | $2,601 |
| O‑2E | $3,075 | $2,751 |
| O‑3E | $3,246 | $2,937 |
| Officers | ||
| O‑1 | $2,652 | $2,313 |
| O‑2 | $2,943 | $2,562 |
| O‑3 | $3,087 | $2,820 |
| O‑4 | $3,438 | $2,991 |
| O‑5 | $3,696 | $3,018 |
| O‑6 | $3,726 | $3,066 |
| O‑7 | $3,753 | $3,120 |
| O‑8† | $3,753 | $3,120 |
| O‑9† | $3,753 | $3,120 |
| O‑10† | $3,753 | $3,120 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 19 ZIP codes in Outer Banks, NC (NC176). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 27824, one ZIP in this area.
Show all 19 ZIP codesAll 19 ZIP codes
- 278xx
- 27824 27826 27875 27885
- 279xx
- 27915 27920 27936 27943 27948 27949 27953 27954 27959 27960 27968 27972 27978 27981 27982
Other areas in North Carolina
Areas whose DoD code starts with NC, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.