United States · BAH 2026 · North Carolina
Durham/Chapel Hill, NC BAH rates 2026
In Durham/Chapel Hill, NC, 2026 BAH runs from $1,602 a month (E-1 without dependents) to $3,279 (O-7 and above with dependents). An E-5 with dependents gets $2,118 a month, not taxed.
Durham/Chapel Hill, NC · E-5 · with dependents
$2,118 a month
$25,416 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,995 | $1,602 |
| E-2 | $1,995 | $1,602 |
| E-3 | $1,995 | $1,602 |
| E-4 | $1,995 | $1,602 |
| E-5 | $2,118 | $1,770 |
| E-6 | $2,391 | $1,878 |
| E-7 | $2,436 | $1,998 |
| E-8 | $2,484 | $2,178 |
| E-9 | $2,631 | $2,250 |
| W-1 | $2,409 | $1,965 |
| W-2 | $2,454 | $2,175 |
| W-3 | $2,520 | $2,262 |
| W-4 | $2,673 | $2,394 |
| W-5 | $2,868 | $2,445 |
| O-1E | $2,439 | $2,115 |
| O-2E | $2,508 | $2,235 |
| O-3E | $2,703 | $2,382 |
| O-1 | $2,160 | $1,869 |
| O-2 | $2,388 | $2,082 |
| O-3 | $2,517 | $2,289 |
| O-4 | $2,931 | $2,430 |
| O-5 | $3,231 | $2,451 |
| O-6 | $3,258 | $2,496 |
| O-7 and above | $3,279 | $2,538 |
What is take-home pay with BAH in Durham/Chapel Hill, NC?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. These assume North Carolina is your state of legal residence: North Carolina taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $1,602.00 | $1,995.00 | $2,289.00 | $2,517.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | −$96.55 | −$54.16 | −$252.18 | −$209.78 |
| Take-home a month | $4,962.17 | $5,553.88 | $8,294.87 | $8,931.03 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Durham/Chapel Hill, NC?
DTMO’s 2026 list maps 28 ZIP codes to this housing area (NC180). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
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
How does Durham/Chapel Hill, NC BAH compare?
For an E-5 with dependents, Durham/Chapel Hill, NC pays $2,118 a month: number 156 of 338 housing areas, and $57 above the middle of all areas ($2,061). Other housing areas in North Carolina:
- Asheville, NC E-5 with dependents $2,214
- Camp Lejeune, NC E-5 with dependents $1,584
- Charlotte, NC E-5 with dependents $2,169
- Elizabeth City, NC E-5 with dependents $2,508
- Fort Bragg/Pope, NC E-5 with dependents $1,806
- Greensboro, NC E-5 with dependents $1,809
- Morehead/Cherry Pt MCAS, NC E-5 with dependents $1,851
- Outer Banks, NC E-5 with dependents $2,604
- Raleigh, NC E-5 with dependents $2,091
- Seymour Johnson AFB, NC E-5 with dependents $1,521
- Wilmington, NC E-5 with dependents $2,040
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- North Carolina minimum wage The North Carolina minimum wage for 2026 and 2027, with full-time pay.
- North Carolina paycheck calculator Take-home pay for a civilian job in North Carolina, after federal and state tax.
Questions about BAH in Durham/Chapel Hill, NC
What is E-5 BAH in Durham/Chapel Hill, NC for 2026?
$2,118 a month with dependents and $1,770 without ($25,416 and $21,240 a year). That ranks 156 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Durham/Chapel Hill, NC?
An O-3 gets $2,517 a month with dependents and $2,289 without in 2026. A W-2 gets $2,454 and $2,175.
How much BAH does an E-1 get in Durham/Chapel Hill, NC?
$1,995 a month with dependents and $1,602 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Durham/Chapel Hill, NC BAH rates?
28 ZIP codes in DTMO’s 2026 list map to this housing area (NC180): 27231, 27243, 27278, 27503, 27509 and 23 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Durham/Chapel Hill, NC taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $5,561.35 a month here with allowances and takes home about $4,962.17. These assume North Carolina is your state of legal residence: North Carolina taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
When will Durham/Chapel Hill, NC BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.