BAH Calculator 2026: Basic Allowance for Housing by Location
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
Naval Base Guide
Orders to Marine Corps Base Camp Lejeune put you at the heart of the Marine Corps’ East Coast operations — home of II Marine Expeditionary Force, 2nd Marine Division, 2nd Marine Logistics Group, and MARSOC. It’s a massive, deeply operational base set on the North Carolina coast, and the families who thrive here are the ones who arrive knowing what to expect: high deployment tempo, an affordable housing market, 14 miles of beach, and one of the strongest military communities on the East Coast. Start your personalized PCS Plan© now so you can map housing, schools, and neighborhoods before your report date.
| Detail | Info |
|---|---|
| Location | Jacksonville, North Carolina (Onslow County) |
| Size | 246 square miles; 14 miles of Atlantic Ocean beach; 80 live-fire ranges |
| Community Population | 130,000+ Marines, Sailors, DoD civilians, and families |
| Major Commands | II MEF, 2nd Marine Division, 2nd MLG, MARSOC, MCAS New River (adjacent) |
| On-Base Family Housing | 5,000+ homes across 16 neighborhoods; managed by Hunt Military Communities and Liberty Military Housing |
| On-Base Schools | 7 DoDEA schools (PreK–12); on base for residents in base housing |
| BAH Military Housing Area | Camp Lejeune, NC (NC187) |
| Deployment Tempo | High — II MEF MEUs deploy 7–9 months on a 12–18 month rotation cycle |
| Base Operator | (910) 451-1113 |
| Official Website | lejeune.marines.mil |
Camp Lejeune is the largest Marine Corps base on the East Coast and one of the most operationally intense duty stations in the entire military. This is the home of expeditionary forces — the II MEF exists to deploy, and it does so frequently. If your Marine is infantry, aviation, or assigned to a MEU-supporting unit, plan for deployments of 7–9 months on a 12–18 month rotation cycle. That reality is the single most important thing families need to understand before arriving, and connecting early with your unit’s Family Readiness Officer (FRO) is the highest-return move you can make before your first deployment hits.
On the lifestyle side, Camp Lejeune consistently surprises newcomers. The base is enormous — 246 square miles with 14 miles of beach on the Atlantic — and the surrounding area offers genuine coastal living at prices that are a fraction of what you’d pay at a comparable beach assignment. Jacksonville is a military town through and through, which means the businesses, schools, landlords, and community organizations all know how to work with Marine families. The area has its rough edges, but the affordability, the water access, and the strength of the PCS Pay It Forward® community make it one of the more livable assignments in the Marine Corps.
The Camp Lejeune water contamination issue is a matter of public record and something families regularly ask about before PCSing. From 1953 to 1987, two water treatment facilities on base supplied drinking water contaminated with industrial chemicals including TCE, PCE, benzene, and vinyl chloride. The contaminated wells were shut down and remediated, and the current water system has been tested and is considered safe. The base provides annual Consumer Confidence Reports to all residents confirming current water quality standards.
If you or a family member lived, worked, or was stationed at Camp Lejeune between August 1953 and December 1987 for at least 30 days — including as a child, dependent, or civilian worker — you may be eligible for healthcare benefits and/or compensation under the Camp Lejeune Justice Act. Contact your VA representative for full eligibility details. Families PCSing today are not affected by this historical contamination — current water is monitored, tested, and safe.
Camp Lejeune BAH rates increased 4.5% from 2025 to 2026. The good news for families: the Jacksonville-area housing market remains highly affordable relative to BAH, meaning your allowance stretches well. Most E5 and above families can comfortably rent or purchase in the area without significant out-of-pocket contributions. Use the official DTMO BAH Rate Lookup to confirm your exact rate. See our full 2026 BAH guide for budgeting context.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E1–E4 | $1,578/mo | $1,323/mo |
| E5 | $1,584/mo | $1,476/mo |
| E6 | $1,944/mo | $1,569/mo |
| E7 | $1,995/mo | $1,593/mo |
| E8 | $2,049/mo | $1,662/mo |
| E9 | $2,160/mo | $1,761/mo |
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| O1 | $1,635/mo | $1,566/mo |
| O2 | $1,941/mo | $1,596/mo |
| O3 | $2,085/mo | $1,809/mo |
| O4 | $2,355/mo | $1,989/mo |
| O5 | $2,553/mo | $2,016/mo |
| O6 | $2,571/mo | $2,064/mo |
| O7+ | $2,586/mo | $2,097/mo |
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| W1 | $1,962/mo | $1,590/mo |
| W2 | $2,016/mo | $1,659/mo |
| W3 | $2,088/mo | $1,776/mo |
| W4 | $2,187/mo | $1,950/mo |
| W5 | $2,316/mo | $2,004/mo |
A median 3-bedroom rental in the Jacksonville area runs approximately $1,500/month, which means most families with dependents have some margin in their BAH. Families buying near Camp Lejeune are typically spending in the $200,000–$350,000 range and finding the VA loan makes that extremely accessible with zero down payment and no PMI. Visit our VA Home Loan page to connect with a lender who knows the Jacksonville market and Marine Corps PCS timelines.
Camp Lejeune has one of the largest on-base family housing inventories in the Marine Corps — more than 5,000 homes across 16 neighborhoods, with units ranging from 2-bedroom duplexes to 4-bedroom single-family homes. Housing is distributed by rank, and both enlisted and officer neighborhoods are available. On-base housing puts families steps from the 7 DoDEA schools, base amenities, and Onslow Beach, which is a genuine quality-of-life advantage for families with young children and deployed spouses.
On-base housing is managed by two privatized partners. Applications are processed through the Military Housing Office.
| Housing Contact | Address | Phone |
|---|---|---|
| Military Housing Office (MHO) | 43 Inchon St, Tarawa Terrace, Camp Lejeune, NC 28543 | (910) 450-1627 / (910) 450-1628; Mon–Fri 0730–1600 |
| Atlantic Marine Corps Communities (AMCC) | 43 Inchon St / 5401 Maryland Ave, Camp Lejeune, NC 28547 | (888) 690-4304 / (910) 219-6451 |
| Lincoln / Liberty Military Housing | 43 Inchon St, Tarawa Terrace, NC 28543 | (910) 355-0112 |
Waitlist reality: Average wait time for on-base housing is approximately one month, but can stretch to six months for the most desirable, newly built neighborhoods — especially during peak summer PCS season. Submit your advance application as soon as you have orders. Families are placed on the inbound waitlist after physically checking into their command. You can monitor current wait times at the official Camp Lejeune wait times page.
Housing quality is highly varied — new construction and fully renovated homes exist alongside older legacy quarters. Review floor plans on the AMCC and Liberty/Hunt websites before applying to request specific neighborhoods that match your priorities.
Marines below E5 are required to live in barracks Marine Corps-wide. Bachelor Enlisted Quarters (BEQ) and Bachelor Officer Quarters (BOQ) are available across the installation. Contact numbers by location:
| Location | BEQ / BOQ Phone |
|---|---|
| Camp Lejeune (main) | (910) 451-1385 / 2146 |
| Camp Geiger | (910) 449-0435 |
| Camp Johnson | (910) 440-7493 |
| MCAS New River | (910) 787-9575 |
The majority of Marine families at Lejeune live off base. The surrounding area gives you real options across commute distances, price points, school districts, and lifestyle preferences. Rental scams are a documented problem in military-heavy markets like Jacksonville — never wire a deposit to anyone you have not personally verified, and never rent a property without a tour. Join the Camp Lejeune PCS Pay It Forward® group for verified rental listings from the local MLS, property managers, and military-owned homes.
Jacksonville surrounds the main gate and is the hub of Onslow County life. It’s a military town through and through — most businesses, landlords, and service providers are experienced with PCS timelines and Marine Corps culture. Rent is affordable, most national chain restaurants and retailers are on Western Boulevard, and getting on base during normal hours takes minutes. Jacksonville’s core has a rough-around-the-edges reputation that is fair, but the residential neighborhoods — particularly north of the base toward Richlands — are safe, family-friendly, and well-served by Onslow County Schools. Average apartment rent in the city runs approximately $1,060/month.
Known informally as the “Gateway to Camp Lejeune,” Hubert sits just outside the back gate and is ideal for Marines stationed near Courthouse Bay, Stone Bay, or the eastern portions of the installation. Commutes are extremely short. Rent typically runs $1,400–$1,700/month for a three-bedroom home. It lacks the commercial amenities of Jacksonville but is quiet and practical for families focused on minimizing commute time.
Sneads Ferry is consistently cited as one of the best-kept secrets near Camp Lejeune. It’s a quiet fishing village accessed via a dedicated gate near Stone Bay, with views of the Intracoastal Waterway and easy access to North Topsail Beach. Shopping and dining in Jacksonville proper is about 25 minutes away. Rents for three-bedroom homes typically run $1,600–$1,900/month. Families who prioritize lifestyle and water access — and who can tolerate a slightly longer commute for off-base errands — consistently rate Sneads Ferry among their top choices. School quality in the area earns community ratings of around 7 out of 10.
Swansboro is the most consistently praised off-base community for families prioritizing school quality and neighborhood safety. Onslow County schools in the Swansboro area score among the best in the county, with community ratings around 7–8 out of 10. Three-bedroom rents typically run $1,700–$2,000/month, reflecting the premium for school quality. Swansboro sits about 20–25 minutes from the main gate and has a charming waterfront downtown with locally owned restaurants and shops.
Richlands offers a country feel with more land, less traffic, and strong schools compared to Jacksonville proper. It’s popular with families who want elbow room and a quieter pace of life. Commute to the main gate runs 20–30 minutes depending on route. Housing is affordable and the area has a mix of established neighborhoods and newer builds.
Holly Ridge is a growing community about 30 minutes from the main gate and 20 minutes from MCAS New River, popular for families seeking a middle point between Jacksonville and Wilmington. Hampstead is a suburb of Wilmington approximately 45 minutes from the main gate — the farthest commute option but the closest to true city amenities, highly rated schools, and Wilmington’s cultural offerings. Families choosing Hampstead typically have longer-tour assignments or spouses employed in the Wilmington market.
Ready to start narrowing down neighborhoods and building your housing plan? Start your PCS Plan© and connect with a military-experienced VA lender through our VA Home Loan page before you start touring homes.
Camp Lejeune has multiple gates serving different areas of the installation. Choosing the right gate for your neighborhood saves meaningful daily commute time. Highway 24 is the primary artery connecting Jacksonville to the main gate area — expect congestion during rush hours (6–8 a.m. and 4–6 p.m.). Holcomb Boulevard provides a useful alternative for north-side commuters. Sneads Ferry Road serves the Stone Bay and eastern camp areas efficiently.
| Gate | Best For | Notes |
|---|---|---|
| Main Gate (Hwy 24) | Jacksonville residents, most units in main cantonment area | Busiest gate; plan for rush-hour backup 6–8 a.m. and 4–6 p.m. |
| Holcomb Blvd Gate | North Jacksonville, Richlands commuters | Useful alternative to Main Gate during peak traffic |
| Back Gate (Sneads Ferry Rd) | Sneads Ferry, Hubert, Stone Bay, Courthouse Bay units | Significantly faster for east-side assignments |
| Piney Green Gate | North Jacksonville, MCAS New River-adjacent families | Connects MCAS New River area to main base road network |
Camp Lejeune is a self-contained city. The sheer scale of the installation means amenities are extensive — two golf courses, two movie theaters, five pools, a full marina, a bowling alley, hobby shops, recreation centers, and a commissary with a deli, bakery, fresh seafood, and sushi bar. For families living on or near base, daily life requires very few trips off the installation.
| Facility | Address | Phone |
|---|---|---|
| Commissary (Main) | 1230 Holcomb Blvd, Camp Lejeune, NC 28542 | (910) 451-5071 |
| Commissary (New River) | MCAS New River (smaller; south of main base) | — |
| Marine Corps Exchange (MCX) | 1280 G Street, Camp Lejeune, NC 28547; Mon–Sat 9 a.m.–6 p.m. | — |
| Marine Mart Convenience Stores | 12 locations throughout the installation | — |
| Facility | Details |
|---|---|
| Paradise Point Golf Course | Two courses and two driving ranges on base |
| Onslow Beach | Atlantic Ocean beach directly on base — exclusive to military community |
| Marina | Boat rentals, kayak launch, waterfront recreation on New River |
| Pools | Five pools across the installation |
| Movie Theaters | Two on-base theaters |
| Bowling Alley | Affordable lanes for families and singles |
| Recreation Centers / Community Centers | Six recreation centers and two community centers across base |
| Hobby Shops | Three hobby shops for woodworking, ceramics, and auto maintenance |
| MWR / MCCS Outdoor Recreation | Kayaks, canoes, camping gear, sporting equipment rentals |
| Archery Range | On-base archery; one of the more unique base amenities in the Marine Corps |
| Stables | On-base equestrian facility — active and popular |
| Library | Well-stocked library with programming for all ages |
| Service | Contact |
|---|---|
| MCCS Information, Referral & Relocation | lejeunenewriver.usmc-mccs.org |
| Child Development Centers (CDC) | (910) 450-0553 / 0554 / 0555; full-day care, part-day preschool, toddler play groups, hourly care, special events care |
| School Liaison Office (SLO) | Contact via MCCS; assists with all K–12 transitions, DoDEA and Onslow County enrollment, EFMP, homeschool guidance |
| Family Readiness Officers (FRO) | Unit-level — connect as soon as you check in; critical for deployment readiness |
| EFMP (Exceptional Family Member Program) | Contact via MCCS or MHO; essential for families with special medical or educational needs before housing assignment |
Naval Medical Center Camp Lejeune is a large, full-service military hospital providing comprehensive care to active-duty Marines, Sailors, retirees, and their families. It’s one of the more capable MTFs in the Marine Corps, with emergency care, specialty services, dental, labor and delivery, and inpatient hospital capabilities all on base.
| Facility | Address | Appointments / Info |
|---|---|---|
| Naval Medical Center Camp Lejeune | 100 Brewster Blvd, Camp Lejeune, NC 28547 | (910) 451-1186; Mon–Fri 7:30 a.m.–4:30 p.m.; camp-lejeune.tricare.mil |
| Health Benefits Advisor (TRICARE enrollment) | 100 Brewster Blvd, Camp Lejeune, NC 28547 | (910) 450-4665 |
For TRICARE enrollment, plan options, and network provider information, visit TRICARE.mil. Families enrolled in TRICARE Prime are assigned to Naval Medical Center Camp Lejeune as their primary care manager. Dental care is available on base for active-duty members; family members use TRICARE Dental Program (TDP) civilian network providers.
School options at Camp Lejeune are one of the genuine highlights of this assignment — particularly for families living in on-base housing, which provides direct access to a full PreK–12 DoDEA school system with no school bus gap.
Camp Lejeune is served by 7 DoDEA schools covering PreK through grade 12. These schools are exclusively available to military-connected students living in on-base housing and are administered by the DoD Education Activity (now DoWEA) Americas Mid-Atlantic District. DoDEA schools are engineered for military families — they have built-in support for deployments, mid-year transfers, and the unique emotional and academic challenges of military childhood. The high school is on the College Board’s AP School Honor Roll. Bus service is available for most on-base communities.
On-base DoDEA school access is one of the primary reasons families choose to live in base housing at Camp Lejeune, particularly when a deployment is imminent and a parent needs the additional school-stability support that DoDEA programs provide.
Families living off base attend Onslow County Schools, one of the largest and most military-experienced school districts in North Carolina. Onslow County is accustomed to PCS transfers, mid-year enrollments, and the needs of children with a deployed parent. For enrollment information, contact Onslow County Schools at (910) 455-2211 or visit onslow.k12.nc.us.
School quality varies meaningfully by area within the county. The Swansboro area schools consistently receive the highest community ratings (7–8 out of 10). Jacksonville city schools are solid and experience high military enrollment. Families in Sneads Ferry and Hubert feed into Onslow County schools with consistently positive community reviews for military-family friendliness. When evaluating addresses, always verify your specific school assignment with Onslow County before signing a lease.
Families in Carteret, Pender, or Jones counties (Swansboro-adjacent, Holly Ridge, Hampstead) may attend those respective county districts. Private school and homeschool options exist throughout the region. The state of North Carolina also offers scholarship programs that can help offset private school costs depending on income — ask the School Liaison Officer at (contact via MCCS) for current details.
Jacksonville’s cost of living runs slightly above the national average overall — approximately 5% — but housing costs are genuinely low for a coastal East Coast market. Your BAH will likely cover your rent or mortgage payment with room to spare at most rank levels, which is not something you can say at most USMC East Coast bases.
| Category | Typical Range / Notes |
|---|---|
| Apartment rent (avg Jacksonville) | ~$1,060/month |
| 3BR home rental (Jacksonville) | $1,400–$1,600/month |
| 3BR home rental (Sneads Ferry) | $1,600–$1,900/month |
| 3BR home rental (Swansboro) | $1,700–$2,000/month |
| Median home purchase price (Jacksonville) | ~$220,000–$250,000 |
| North Carolina state income tax | 4.75%; military pay under $42,000 is exempt from NC state income tax |
The VA loan is particularly powerful in this market. A home in the $200,000–$300,000 range with zero down payment and no PMI produces a monthly payment that most E5+ families can cover with BAH alone. Many Marine families buy here — and because the base drives consistent housing demand, homes in Jacksonville and Onslow County generally retain value well. Review our 2026 military pay charts and connect with a lender through our VA Home Loan page before you arrive. Also, our PCS tax write-offs guide covers deductions most families miss at tax time.
Eastern North Carolina earns the nickname “Crystal Coast” for a reason — the Atlantic beaches here are genuinely beautiful, and the region offers coastal access that most duty stations can’t touch. Base families have Onslow Beach directly on the installation; civilian beaches including North Topsail Beach, Topsail Island, and Emerald Isle are 20–30 minutes away.
The Intracoastal Waterway, the New River, and the Atlantic Ocean give families year-round access to boating, kayaking, paddleboarding, fishing, and surfing. The base marina has rentals and launch access. Hammocks Beach State Park, accessible by boat or ferry, is a pristine barrier island with hiking and isolated beaches. Shackleford Banks — reached by ferry from Beaufort or Harkers Island — is home to more than 100 wild horses that roam free on the island. The Crystal Coast is dotted with lighthouses and seafood shacks, and a day trip in almost any direction turns into an adventure.
Wilmington is 45 minutes south and delivers genuine city amenities — excellent restaurants, a lively downtown, film industry activity, and the University of North Carolina Wilmington. Raleigh is about 2 hours northwest for bigger-city weekends. The Oregon Inlet area of the Outer Banks is 2.5 hours north for some of the East Coast’s best fishing and wild beaches. Lejeune Memorial Gardens in Jacksonville honors service members with the Beirut Memorial, the Montford Point Marine Memorial, and the 9/11 Memorial Beam — it’s a meaningful place for Marine families and visitors alike.
This is a high-risk hurricane area. Onslow County receives regular hurricane impacts and near-misses from June through November every year. Every family at Lejeune needs a hurricane kit, an evacuation plan, and a pre-arranged destination if evacuation orders are issued. Follow command directives and local emergency management guidance without delay. The Marine Corps takes hurricane preparedness seriously here — your unit will brief it, and you should take every briefing at face value.
Join the Camp Lejeune PCS Pay It Forward® group for real-talk from families already navigating life on the Crystal Coast — storm prep included. You can also explore our PCS Binder and Checklist, our DITY move guide, and our military moving tips to get organized from orders-in-hand through in-processing.
Yes — one of the largest on-base housing inventories in the Marine Corps, with more than 5,000 homes across 16 neighborhoods, ranging from 2-bedroom duplexes to 4-bedroom single-family homes. Housing is privatized and managed by Hunt Military Communities and Liberty Military Housing (formerly Atlantic Marine Corps Communities and Lincoln Military Housing). Apply through the Military Housing Office at (910) 450-1627 as soon as you have orders. Average wait time is about one month, but new/renovated neighborhoods can run up to six months. Monitor current wait times at lejeune.marines.mil.
2026 BAH rates increased 4.5% from 2025. Rates range from $1,578/month (E1–E4 with dependents) to $2,586/month (O7+ with dependents). The Camp Lejeune market is affordable — a median 3-bedroom rental runs about $1,500/month, meaning most families pocket some BAH or can comfortably buy a home. Confirm your exact rate at the DTMO BAH Rate Lookup.
It depends on your priorities. Swansboro has the best off-base schools and neighborhood safety, but rents run $1,700–$2,000/month. Sneads Ferry offers coastal living and a quiet community feel at $1,600–$1,900/month. Hubert provides the fastest back-gate commute at lower rents. Jacksonville is the most convenient overall and most affordable. On-base housing is strongly recommended for families with young children, given access to DoDEA schools and built-in community during deployments.
Families in on-base housing have access to 7 DoDEA schools (PreK–12) directly on the installation — a major advantage, especially during deployments. Off-base families attend Onslow County Schools; the Swansboro area schools are highest-rated, and the district overall is very experienced with military families. Contact the School Liaison Officer through MCCS or call Onslow County Schools at (910) 455-2211 for enrollment support. Bring birth certificate, Social Security card, and proof of immunizations to enroll.
The main commissary is located at 1230 Holcomb Blvd, Camp Lejeune, NC 28542, phone (910) 451-5071. A smaller commissary is also located at MCAS New River, south of the main base. The Marine Corps Exchange (MCX) is at 1280 G Street, Camp Lejeune, NC 28547, open Monday–Saturday 9 a.m.–6 p.m. There are also 12 Marine Mart convenience stores and service stations throughout the installation.
Naval Medical Center Camp Lejeune at 100 Brewster Blvd is a full-service military hospital with emergency care, specialty services, labor and delivery, and inpatient hospital capabilities. Call (910) 451-1186 for appointments; hours are Monday–Friday, 7:30 a.m.–4:30 p.m. For TRICARE enrollment, visit camp-lejeune.tricare.mil or TRICARE.mil.
Yes. The contamination that affected wells on base from 1953 to 1987 was remediated; those wells have been shut down. The current water system is regularly tested and meets all safety standards. The base provides annual Consumer Confidence Reports to residents. If you or a family member lived on or near the base between 1953 and 1987, you may be eligible for VA healthcare and/or compensation under the Camp Lejeune Justice Act — visit va.gov for eligibility details. Families PCSing today are not affected.
Camp Lejeune is home to II MEF, and the deployment tempo here is high. Marines in MEU-supporting units — especially infantry, aviation, and logistics — should plan for deployments of 7–9 months on a 12–18 month rotation. Support units deploy less frequently but still participate in workups. This is an operational base, and families who go in eyes-open — connected to their unit’s Family Readiness Officer and to the PCS Pay It Forward® community — report managing the tempo much better than those who arrived without a support network in place.
For many families, yes — particularly if you’re on a longer assignment or your Marine is approaching the senior enlisted or officer ranks. Jacksonville-area homes in the $200,000–$300,000 range are highly accessible with a VA loan (zero down payment, no PMI), and BAH typically covers the full mortgage payment. The base creates consistent housing demand, and homes in Onslow County generally hold value well at PCS time. Connect with a VA-experienced lender through our VA Home Loan page before you arrive to understand your purchasing power.
Four things most families say they wish they’d known sooner: (1) connect with the Camp Lejeune PCS Pay It Forward® group early for verified housing resources and real neighborhood talk; (2) apply for on-base housing immediately when orders arrive — don’t wait; (3) have a hurricane preparedness plan before June; and (4) find your unit’s FRO before the first deployment hits. Everything else can be figured out on arrival.
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
Start Your PCS Plan Start Your Free Pay it Forward PCS Plan© — Personalized Support for Your Next Move Tell us where you’re headed and
Free for All Branches · No Credit Pull · No Obligation Your VA Home Loan Benefit.$0 Down. No PMI. No Guessing. A free personalized report
Free PCS Planning Toolkit — Military Families Since 2016 Your Personal Guide to Every Military Move Whether it’s your first PCS or your fifth, you