MCAS Cherry Point: BAH and housing

MCAS Cherry Point is a Marine Corps air station in Havelock, North Carolina. E-5 BAH with dependents is $1,851 a month (74th-highest of 119 among the bases we track), $51 more than the $1,800 HUD fair-market rent for a 3-bedroom in ZIP 28532. In Havelock, the median home value is $207,700 and the median rent is $1,280, a lower-cost market among the bases we cover (33rd-lowest of 114). It gets 57 inches of precipitation in a normal year, tied for the 7th-wettest of the bases we track.

Data: DTMO 2026 BAH for MHA NC177, HUD rents for ZIP 28532, Census ACS for Havelock city, NOAA normals at Cherry Point MCAS, NC. Jump to sources · Methodology

What is my BAH (Basic Allowance for Housing) at MCAS Cherry Point?

This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.

Pay grade

Dependents

$1,722/mo

Monthly BAH at E-5 pay grade without dependents.

MCAS Cherry Point: $1,722

Typical 2-bedroom rent nearby: $1,340/mo
BAH vs that rent: $382/mo left over

Key facts for living at MCAS Cherry Point

Key facts for living at MCAS Cherry Point
Host state	North Carolina
State income tax	Flat 3.99%
Top state income-tax rate	3.99%
Average sales tax (state + local)	7.00%
Average property tax (real estate)	0.66%
Personal property tax (vehicles)	Yes — 1.10% effective
Median home value	$339,594
Military housing area	NC177 — MOREHEAD/CHERRY PT MCAS, NC
Climate (annual high / low)	74° / 54°F
Annual precipitation	57.4 in
Official site	MCAS Cherry Point

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PCS checklist for MCAS Cherry Point

Update DEERS and your page-2 / dependency status before BAH starts at the new MHA (NC177).
Look up your exact BAH for rank and dependents on the DTMO BAH lookup (ZIP 28533).
Off-base 2-bedroom HUD FMR in Craven County is $1,184/mo. On-base housing is separate.
Get an NC driver license within 60 days and title the car within 60 days. See North Carolina.
Confirm reporting instructions on the official MCAS Cherry Point site.

How MCAS Cherry Point compares

E-5 with-dependents BAH is higher at MCAS Miramar ($3,975 vs $1,851).

Use the picker above for any other compatible installation. Published PCS pages that include MCAS Cherry Point are listed here.

Lejeune → Cherry PointCamp Lejeune to MCAS Cherry Point

Sources

Housing figures below are for the installation (MHA, HUD rent, climate). Host-state tax rates are statewide averages — not a tax return. County add-ons can differ, and wage tax on military pay follows legal residence, not the duty station.

BAH (with and without dependents). DTMO CY2026 BAH tables for MCAS Cherry Point (NC177). Confirm current rates on the DTMO BAH lookup.
2-bedroom Fair Market Rent. HUD FY2026 FMR — Craven County $1,184.
Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 28532 (Havelock) $1,340 / $1,800.
Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Havelock city, North Carolina ($207,700, $1,280/mo). Owner-reported values, not transaction prices.
Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Cherry Point MCAS, NC (USW00013754).
Host-state wage tax. Statewide listed rates for North Carolina from the Tax Foundation 2026 individual income-tax tables. On this page they describe the host state, not automatically the tax on a military LES (legal residence can stay put). BAH is untaxed.
Combined sales tax near the installation. Tax Foundation January 2026 state-and-local sales-tax averages for North Carolina. Used as an off-base shopping stand-in; city and county add-ons vary.
Effective property tax if you buy off-base. Tax Foundation 2026 property taxes by state for North Carolina. On-base housing is not in this figure.
Vehicle title tax and new-resident clocks. North Carolina motor-vehicle agency (license 60 days, title 60 days; title tax 3.00%). These are host-state motor-vehicle rules, not BAH.
Vehicle personal-property tax on the host-state snapshot. WalletHub 2026 vehicle property-tax table for North Carolina. This is a statewide car-tax flag, not real-estate tax and not BAH.
Statewide median home value on the host-state snapshot. Experian / Zillow March 2026 state medians for North Carolina. Backdrop for off-base purchase prices; on-base housing and BAH are separate.

Data last updated: September 2026. How the data is compiled