BAH 2026Military housing area NC179
Charlotte, NC BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Charlotte, NC military housing area, with and without dependents, and the 125 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,169a month147th highest of 338
- E‑5 without dependents
- $1,719a month
- O‑3 with dependents
- $2,472a month185th highest of 338
- ZIP codes
- 125in this DoD area
Charlotte, NC pays $2,169 a month for an E‑5 with dependents: the 147th 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 NC179. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,004 | $1,518 |
| E‑2 | $2,004 | $1,518 |
| E‑3 | $2,004 | $1,518 |
| E‑4 | $2,004 | $1,518 |
| E‑5 | $2,169 | $1,719 |
| E‑6 | $2,436 | $1,848 |
| E‑7 | $2,457 | $2,007 |
| E‑8 | $2,466 | $2,229 |
| E‑9 | $2,478 | $2,301 |
| Warrant officers | ||
| W‑1 | $2,454 | $1,956 |
| W‑2 | $2,463 | $2,226 |
| W‑3 | $2,475 | $2,313 |
| W‑4 | $2,481 | $2,430 |
| W‑5 | $2,514 | $2,442 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,460 | $2,166 |
| O‑2E | $2,469 | $2,283 |
| O‑3E | $2,484 | $2,427 |
| Officers | ||
| O‑1 | $2,211 | $1,833 |
| O‑2 | $2,433 | $2,118 |
| O‑3 | $2,472 | $2,337 |
| O‑4 | $2,520 | $2,433 |
| O‑5 | $2,577 | $2,445 |
| O‑6 | $2,595 | $2,448 |
| O‑7 | $2,610 | $2,466 |
| O‑8† | $2,610 | $2,466 |
| O‑9† | $2,610 | $2,466 |
| O‑10† | $2,610 | $2,466 |
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 125 ZIP codes in Charlotte, NC (NC179). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 28006, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 125 ZIP codesAll 125 ZIP codes
- 280xx
- 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
- 281xx
- 28101 28105 28106 28107 28120 28124 28126 28130 28134 28164
- 282xx
- 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
- 297xx
- 29703 29704 29707 29708 29710 29715 29716 29717 29726 29730 29731 29732 29733 29734 29742 29743 29745
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.