BAH 2026Military housing area NC177
Morehead/Cherry Pt MCAS, NC BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Morehead/Cherry Pt MCAS, NC military housing area, with and without dependents, and the 38 ZIP codes it covers.
On this page5 sections
- E‑5 with dependents
- $1,851a month211th highest of 338
- E‑5 without dependents
- $1,722a month
- O‑3 with dependents
- $2,421a monthtied for 196th highest of 338
- ZIP codes
- 38in this DoD area
Morehead/Cherry Pt MCAS, NC pays $1,851 a month for an E‑5 with dependents: the 211th 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 NC177. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,806 | $1,683 |
| E‑2 | $1,806 | $1,683 |
| E‑3 | $1,806 | $1,683 |
| E‑4 | $1,806 | $1,683 |
| E‑5 | $1,851 | $1,722 |
| E‑6 | $2,046 | $1,758 |
| E‑7 | $2,181 | $1,806 |
| E‑8 | $2,328 | $1,896 |
| E‑9 | $2,502 | $1,944 |
| Warrant officers | ||
| W‑1 | $2,064 | $1,803 |
| W‑2 | $2,241 | $1,893 |
| W‑3 | $2,424 | $1,953 |
| W‑4 | $2,529 | $2,070 |
| W‑5 | $2,658 | $2,214 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,205 | $1,848 |
| O‑2E | $2,397 | $1,932 |
| O‑3E | $2,550 | $2,034 |
| Officers | ||
| O‑1 | $1,884 | $1,755 |
| O‑2 | $2,043 | $1,839 |
| O‑3 | $2,421 | $1,971 |
| O‑4 | $2,697 | $2,184 |
| O‑5 | $2,898 | $2,265 |
| O‑6 | $2,919 | $2,403 |
| O‑7 | $2,940 | $2,445 |
| O‑8† | $2,940 | $2,445 |
| O‑9† | $2,940 | $2,445 |
| O‑10† | $2,940 | $2,445 |
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 38 ZIP codes in Morehead/Cherry Pt MCAS, NC (NC177). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 28533, the ZIP of MCAS Cherry Point.
Show all 38 ZIP codesAll 38 ZIP codes
- 285xx
- 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
Installations whose address is in this area
Military OneSource lists these installations at a ZIP code in NC177; the ZIP shown is the one in each installation’s main contact address.
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.