County Cost Group ZZ510: 2026 BAH at a glance
DoD prices housing in most non-metropolitan counties by grouping counties with similar rental costs into a county cost group. Group ZZ510 covers 2,435 ZIP codes in 17 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,329 a month, 36% below the median housing area ($2,064), ranking 327 of 338 nationally.
For officers, an O-3 with dependents gets $1,809, ranking 333 of 338 (28% below the $2,529 median). Promotion from E-5 to E-7 adds $363 a month in housing allowance here, before any change in base pay.
Dependents add $255 a month for an E-5 (24% over the $1,074 single rate), less than the typical $375 gap nationally. The with-dependents rate is the same whether you have one dependent or five.
2026 BAH rates for every grade
Monthly, effective January 1, 2026. "Difference" is what dependents add at each grade.
| Grade | With dependents | Without | Difference |
|---|---|---|---|
| E-1 | $1,230 | $996 | $234 |
| E-2 | $1,230 | $996 | $234 |
| E-3 | $1,230 | $996 | $234 |
| E-4 | $1,230 | $996 | $234 |
| E-5 | $1,329 | $1,074 | $255 |
| E-6 | $1,626 | $1,218 | $408 |
| E-7 | $1,692 | $1,269 | $423 |
| E-8 | $1,764 | $1,392 | $372 |
| E-9 | $1,872 | $1,473 | $399 |
| W-1 | $1,644 | $1,233 | $411 |
| W-2 | $1,722 | $1,389 | $333 |
| W-3 | $1,812 | $1,485 | $327 |
| W-4 | $1,893 | $1,635 | $258 |
| W-5 | $1,998 | $1,707 | $291 |
| O-1E | $1,701 | $1,326 | $375 |
| O-2E | $1,797 | $1,455 | $342 |
| O-3E | $1,908 | $1,617 | $291 |
| O-1 | $1,371 | $1,128 | $243 |
| O-2 | $1,623 | $1,299 | $324 |
| O-3 | $1,809 | $1,515 | $294 |
| O-4 | $2,025 | $1,689 | $336 |
| O-5 | $2,184 | $1,725 | $459 |
| O-6 | $2,199 | $1,791 | $408 |
| O-7 | $2,211 | $1,818 | $393 |
Official DoD rates for MHA ZZ510. If rates in an area fall, members already there keep their higher rate (rate protection) until they PCS or their eligibility changes. 2027 rates are normally announced in mid-December: what to expect.
Nearby housing areas
The closest other MHAs by ZIP-code center. Your BAH follows your duty ZIP, but these show how the rate changes across the region if you are choosing between assignments.
Within about 152 miles, E-5 with-dependents BAH runs from $1,329 (this area) to $2,436 (Saint Louis, MO Area), a spread of $1,107 a month or $13,284 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Paducah, KY KY430 | 37 mi | $1,365 | $2,031 |
| Fort Campbell (Clarksville, TN) KY106 | 102 mi | $1,815 | $2,496 |
| Memphis, TN TN268 | 110 mi | $2,154 | $2,352 |
| East Saint Louis, IL Area IL093 | 137 mi | $1,542 | $2,208 |
| Nashville, TN TN269 | 142 mi | $2,268 | $2,784 |
| Saint Louis, MO Area MO161 | 152 mi | $2,436 | $2,760 |
Counties in this cost group
Kentucky (371 ZIPs)
Floyd, Harlan, Johnson, Knott, Knox, Breckinridge, Muhlenberg, Bell, Laurel, Ohio, Pulaski, Barren, Lawrence, Marion, Morgan, Grayson, Martin, McCreary, Webster, Adair, Butler, Casey, Fleming, Hart, Jackson, Lincoln, Rockcastle, Whitley, Lewis, Logan, Mason, Metcalfe, Monroe, Union, Bath, Magoffin, Menifee, Owsley, Wolfe, Crittenden, Montgomery, Caldwell, Clinton, Cumberland, Elliott, Estill, Green, Hickman, Russell, Hancock, Robertson
Missouri (273 ZIPs)
Ozark, New Madrid, Scott, Iron, Pemiscot, St. Francois, Stoddard, Daviess, Linn, Saline, Audrain, Butler, Carroll, Harrison, Lewis, Morgan, Pike, Sullivan, Washington, Clark, Gasconade, Livingston, Reynolds, Henry, Knox, Monroe, Atchison, Dent, Holt, Putnam, Schuyler, St. Clair, Worth, Carter, Douglas, Shannon, Cass, Moniteau
West Virginia (261 ZIPs)
McDowell, Wyoming, Mingo, Nicholas, Lincoln, Jackson, Mason, Pocahontas, Braxton, Ritchie, Summers, Lewis, Calhoun, Mineral, Pendleton, Roane, Webster, Grant, Barbour, Tyler, Pleasants, Wirt
Kansas (257 ZIPs)
Marion, Washington, Montgomery, Cherokee, Cowley, Greenwood, Labette, Lyon, Rice, Russell, Brown, Harper, Jewell, Ness, Phillips, Cloud, Neosho, Smith, Chautauqua, Coffey, Elk, Ellsworth, Gove, Gray, Osborne, Pratt, Rooks, Thomas, Wilson, Edwards, Graham, Lincoln, Norton, Pawnee, Stafford, Clark, Comanche, Kiowa, Logan, Meade, Morton, Trego, Cheyenne, Haskell, Sheridan, Stanton, Stevens, Greeley, Woodson
Arkansas (233 ZIPs)
Mississippi, Independence, Lawrence, Clay, Newton, Union, Fulton, Jackson, Poinsett, Johnson, Montgomery, Ashley, Marion, Polk, Van Buren, Columbia, Franklin, Little River, Nevada, Ouachita, Prairie, Woodruff, Hot Spring, Howard, Monroe, Scott, Sevier, Dallas, Lafayette, Chicot, Cleveland, Faulkner
Mississippi (233 ZIPs)
Bolivar, Jones, Sunflower, Tallahatchie, Calhoun, Jasper, Monroe, Holmes, Leflore, Carroll, Chickasaw, Lawrence, Tippah, Adams, Clarke, Grenada, Humphreys, Itawamba, Lincoln, Sharkey, Tishomingo, Webster, Yalobusha, Alcorn, Amite, Attala, Franklin, Greene, Kemper, Marion, Montgomery, Prentiss, Union, Benton, Choctaw, Claiborne, Covington, Issaquena, Jefferson Davis, Jefferson, Noxubee, Smith, Wayne, Neshoba, Wilkinson, Winston, Perry, Walthall
Alabama (224 ZIPs)
Jackson, DeKalb, Cullman, Wilcox, Monroe, Choctaw, Marengo, Clarke, Dallas, Covington, Crenshaw, Sumter, Winston, Escambia, Franklin, Conecuh, Lamar, Marion, Pickens, Pike, Barbour, Butler, Cherokee, Coosa, Fayette, Randolph, Tallapoosa, Bullock, Perry, Mobile
Iowa (168 ZIPs)
Clayton, Butler, Jackson, Kossuth, Page, Calhoun, Delaware, Appanoose, Mahaska, Wright, Lyon, Mitchell, O'Brien, Pocahontas, Louisa, Ringgold, Taylor, Ida, Humboldt
Louisiana (148 ZIPs)
St. Landry, Avoyelles, Acadia, Webster, Sabine, Allen, Evangeline, Franklin, Vermilion, Morehouse, Winn, Catahoula, Concordia, Claiborne, La Salle, West Carroll, Caldwell, East Carroll, Madison, Tensas, Red River
Illinois (103 ZIPs)
Hancock, Montgomery, Pike, Stephenson, Union, Gallatin, Richland, Schuyler, Edwards, Lawrence, Scott, Hardin, Bond
Virginia (43 ZIPs)
Tazewell, Dickenson, Henry, Lunenburg, Martinsville (city), Smyth
South Carolina (41 ZIPs)
Orangeburg, Colleton, Barnwell, Bamberg, Lee
North Carolina (28 ZIPs)
Columbus, Sampson, Mitchell, Cumberland
Tennessee (25 ZIPs)
Lawrence, Overton, Wayne, Hancock, Fentress
North Dakota (17 ZIPs)
Burke, Emmons, Griggs
Oklahoma (8 ZIPs)
Choctaw
South Dakota (2 ZIPs)
Ziebach
Using this rate
- Find your exact rate by duty ZIP, grade and dependency status in the BAH calculator.
- Moving here? Price the move and your PPM in the PCS calculator, and test renting against buying in the rent vs buy calculator.
- See BAH with base pay and BAS as one number in the compensation calculator.
Place names: GeoNames (CC BY 4.0), matched to the official DoD ZIP-to-MHA mapping. Rates: DoD BAH rate file effective January 1, 2026.