County Cost Group ZZ530: 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 ZZ530 covers 214 ZIP codes in 12 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,338 a month, 35% below the median housing area ($2,064), ranking 325 of 338 nationally.
For officers, an O-3 with dependents gets $1,821, ranking 330 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 $258 a month for an E-5 (24% over the $1,080 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 | $1,239 | $1,002 | $237 |
| E-2 | $1,239 | $1,002 | $237 |
| E-3 | $1,239 | $1,002 | $237 |
| E-4 | $1,239 | $1,002 | $237 |
| E-5 | $1,338 | $1,080 | $258 |
| E-6 | $1,635 | $1,224 | $411 |
| E-7 | $1,701 | $1,275 | $426 |
| E-8 | $1,773 | $1,401 | $372 |
| E-9 | $1,881 | $1,482 | $399 |
| W-1 | $1,653 | $1,239 | $414 |
| W-2 | $1,731 | $1,398 | $333 |
| W-3 | $1,824 | $1,494 | $330 |
| W-4 | $1,902 | $1,644 | $258 |
| W-5 | $2,007 | $1,716 | $291 |
| O-1E | $1,710 | $1,335 | $375 |
| O-2E | $1,806 | $1,464 | $342 |
| O-3E | $1,920 | $1,626 | $294 |
| O-1 | $1,380 | $1,134 | $246 |
| O-2 | $1,632 | $1,308 | $324 |
| O-3 | $1,821 | $1,524 | $297 |
| O-4 | $2,037 | $1,698 | $339 |
| O-5 | $2,196 | $1,734 | $462 |
| O-6 | $2,211 | $1,800 | $411 |
| O-7 | $2,223 | $1,827 | $396 |
Official DoD rates for MHA ZZ530. 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 148 miles, E-5 with-dependents BAH runs from $1,338 (this area) to $2,436 (Saint Louis, MO Area), a spread of $1,098 a month or $13,176 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Paducah, KY KY430 | 53 mi | $1,365 | $2,031 |
| East Saint Louis, IL Area IL093 | 70 mi | $1,542 | $2,208 |
| Saint Louis, MO Area MO161 | 88 mi | $2,436 | $2,760 |
| Fort Campbell (Clarksville, TN) KY106 | 134 mi | $1,815 | $2,496 |
| Fort Leonard Wood (Waynesville, MO) MO163 | 144 mi | $1,479 | $2,028 |
| Springfield, IL Area IL335 | 148 mi | $1,527 | $2,001 |
Counties in this cost group
Missouri (35 ZIPs)
Wayne, Lawrence, Miller, Grundy, Jasper, Newton
Kentucky (30 ZIPs)
Graves, Hopkins, Clay
Arkansas (28 ZIPs)
St. Francis, Searcy, Lee, Lincoln
West Virginia (26 ZIPs)
Greenbrier, Hardy
Iowa (24 ZIPs)
Keokuk, Clay
Tennessee (18 ZIPs)
Obion, McMinn, Perry
Kansas (15 ZIPs)
Barber, Bourbon
North Carolina (11 ZIPs)
Surry
Indiana (10 ZIPs)
Wabash
Oklahoma (7 ZIPs)
Major
Louisiana (6 ZIPs)
Washington
North Dakota (4 ZIPs)
Sioux
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.