Fort Bragg Basic Allowance for Housing (BAH) and Off-Post Rental Guide
By FayettevilleNC.net Editorial Staff · Verification & Data Standards
For Military Housing Area NC182 (Fort Bragg/Cumberland County), 2026 monthly BAH rates range from $1,341 for an E-1 without dependents to $2,646 for an O-7 with dependents. An E-5 with dependents receives $1,806 per month, while an O-3 with dependents receives $2,175 per month.
Answers: What are the 2026 Fort Bragg BAH rates for military housing area NC182?
Choosing to live off-post in the Fayetteville metropolitan area enables service members to align housing allowances with neighborhood preferences. Cumberland County median residential rent sits near $1,450 per month, creating favorable rent-to-allowance margins for mid-grade noncommissioned officers and commissioned officers. North Carolina General Statutes provide strict statutory military tenant protections that supplement the federal Servicemembers Civil Relief Act.
2026 Fort Bragg BAH vs. Off-Post Rental Modeler (MHA NC182)
Official 2026 Defense Travel RatesModel your monthly Basic Allowance for Housing (BAH) surplus or out-of-pocket deficit across key Cumberland, Harnett, and Moore County submarkets.
| Submarket & Drive Time | Median 3-Bedroom Single Family Home Rent | Monthly Net Delta | Annual Difference | Submarket Profile |
|---|---|---|---|---|
West Fayetteville / Reilly Corridor | $1,750/mo | +$56/mo surplus | +$672 | High military density, fast gate access, immediate shopping on Morganton Rd. |
Jack Britt / Rockfish (Southwest) | $1,950/mo | -$144/mo deficit | -$1,728 | Top-ranked school district, suburban master-planned subdivisions, I-295 access. |
Haymount Historic District | $2,150/mo | -$344/mo deficit | -$4,128 | Walkable historic streets, Cape Fear Regional Theatre, mature trees, high charm. |
Town of Hope Mills | $1,800/mo | +$6/mo surplus | +$72 | Municipal lake, suburban retail hub, convenient access to I-95 corridor. |
Spring Lake / Anderson Creek | $1,850/mo | -$44/mo deficit | -$528 | Harnett County gated golf communities, short commute to Northern Fort Bragg. |
Southern Pines (Moore County) | $2,400/mo | -$594/mo deficit | -$7,128 | Premier boutique downtown, equestrian estates, top-tier schools, premium cost. |
| Submarket | 1-BR Apt | 2-BR Apt / Townhome | 3-BR Single Family | 4-BR Single Family |
|---|---|---|---|---|
| West Fayetteville / Reilly Corridor | $1,150/mo | $1,380/mo | $1,750/mo | $2,100/mo |
| Jack Britt / Rockfish (Southwest) | $1,250/mo | $1,520/mo | $1,950/mo | $2,350/mo |
| Haymount Historic District | $1,350/mo | $1,650/mo | $2,150/mo | $2,550/mo |
| Town of Hope Mills | $1,180/mo | $1,420/mo | $1,800/mo | $2,150/mo |
| Spring Lake / Anderson Creek | $1,200/mo | $1,450/mo | $1,850/mo | $2,200/mo |
| Southern Pines (Moore County) | $1,450/mo | $1,800/mo | $2,400/mo | $2,900/mo |
What are the official 2026 BAH payment bands for Fort Bragg (MHA NC182)?
BAH rates adjust annually every January based on extensive rental market surveys conducted by the Department of Defense. Service members stationed at Fort Bragg retain individual rate protection, meaning their allowance will not decrease during their duty tour even if local market rents decline.
| Pay Grade | Without Dependents (Monthly) | With Dependents (Monthly) | Median Rent Coverage Index |
|---|---|---|---|
| E-1 to E-4 | $1,341 | $1,722 | 1-Bedroom Apartment ($1,150–$1,275) |
| E-5 | $1,527 | $1,806 | 2-Bedroom Townhome ($1,350–$1,500) |
| E-6 | $1,638 | $2,049 | 3-Bedroom Starter Home ($1,550–$1,725) |
| E-7 | $1,722 | $2,094 | 3-Bedroom Suburban Home ($1,650–$1,850) |
| E-8 | $1,860 | $2,142 | 4-Bedroom Master Community ($1,800–$2,000) |
| E-9 | $1,923 | $2,244 | 4-Bedroom Senior Enlisted Home ($1,850–$2,100) |
| O-1 / W-1 | $1,635 / $1,707 | $1,842 / $2,067 | 2 to 3-Bedroom Home ($1,500–$1,750) |
| O-2 / W-2 | $1,782 / $1,857 | $2,046 / $2,112 | 3-Bedroom Home ($1,700–$1,900) |
| O-3 / W-3 | $1,956 / $1,935 | $2,175 / $2,178 | 3 to 4-Bedroom Single Family ($1,850–$2,100) |
| O-4 | $2,088 | $2,427 | 4-Bedroom Gated Community ($2,100–$2,350) |
| O-5 | $2,109 | $2,610 | Executive Single Family ($2,200–$2,450) |
| O-6 | $2,154 | $2,628 | Senior Officer Single Family ($2,250–$2,500) |
What military lease termination protections apply under North Carolina law?
Landlords in North Carolina cannot assess early termination penalties, liquidated damages, or forfeiture of security deposits when a tenant exercises valid military lease termination. Tenants must provide a copy of official military orders or a formal letter signed by their commanding officer alongside their written 30-day departure notice.
Frequently Asked Questions
- How much is Fort Bragg BAH for an E-5 with dependents in 2026?
- An E-5 with dependents stationed at Fort Bragg receives $1,806 per month under the 2026 BAH rate schedule for Military Housing Area NC182.
- Can Fort Bragg landlords require military tenants to waive SCRA lease rights?
- No. Any lease clause attempting to waive or limit military tenant rights under North Carolina General Statutes § 42-45 or the federal Servicemembers Civil Relief Act is void as a matter of law.
- How long does a North Carolina landlord have to return a military security deposit?
- Under the North Carolina Tenant Security Deposit Act (G.S. § 42-52), landlords must return the security deposit or provide an itemized statement of withholdings within 30 days of lease termination.
Verified Sources & Citations
All regulatory figures, tax millages, school choice deadlines, and transit timelines are cross-referenced with primary government registries and official municipal records.
- DoD 2026 Basic Allowance for Housing Component RatesVerified: 2026-09-13Publisher: Defense Travel Management Office (DTMO)
- North Carolina General Statutes § 42-45: Early termination by military personnelVerified: 2026-09-13Publisher: North Carolina General Assembly