County Cost Group ZZ560: 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 ZZ560 covers 482 ZIP codes in 20 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,362 a month, 34% below the median housing area ($2,064), ranking 320 of 338 nationally.
For officers, an O-3 with dependents gets $1,848, ranking 325 of 338 (27% 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 $261 a month for an E-5 (24% over the $1,101 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 | $1,260 | $1,017 | $243 |
| E-2 | $1,260 | $1,017 | $243 |
| E-3 | $1,260 | $1,017 | $243 |
| E-4 | $1,260 | $1,017 | $243 |
| E-5 | $1,362 | $1,101 | $261 |
| E-6 | $1,659 | $1,242 | $417 |
| E-7 | $1,725 | $1,293 | $432 |
| E-8 | $1,800 | $1,425 | $375 |
| E-9 | $1,908 | $1,506 | $402 |
| W-1 | $1,677 | $1,257 | $420 |
| W-2 | $1,755 | $1,422 | $333 |
| W-3 | $1,851 | $1,521 | $330 |
| W-4 | $1,932 | $1,668 | $264 |
| W-5 | $2,037 | $1,743 | $294 |
| O-1E | $1,737 | $1,359 | $378 |
| O-2E | $1,833 | $1,488 | $345 |
| O-3E | $1,947 | $1,650 | $297 |
| O-1 | $1,404 | $1,155 | $249 |
| O-2 | $1,656 | $1,332 | $324 |
| O-3 | $1,848 | $1,548 | $300 |
| O-4 | $2,067 | $1,722 | $345 |
| O-5 | $2,226 | $1,761 | $465 |
| O-6 | $2,241 | $1,827 | $414 |
| O-7 | $2,253 | $1,854 | $399 |
Official DoD rates for MHA ZZ560. 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 127 miles, E-5 with-dependents BAH runs from $1,362 (this area) to $2,436 (Saint Louis, MO Area), a spread of $1,074 a month or $12,888 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Jefferson City, MO Area MO165 | 96 mi | $1,377 | $2,118 |
| Springfield, IL Area IL335 | 104 mi | $1,527 | $2,001 |
| Peoria, IL Area IL090 | 105 mi | $1,572 | $2,040 |
| Saint Louis, MO Area MO161 | 110 mi | $2,436 | $2,760 |
| Davenport, IA Area IL089 | 115 mi | $1,908 | $2,298 |
| East Saint Louis, IL Area IL093 | 127 mi | $1,542 | $2,208 |
Counties in this cost group
Wisconsin (56 ZIPs)
Manitowoc, Vilas, Langlade, Green Lake, Washburn, Forest
Missouri (52 ZIPs)
Barry, Chariton, Montgomery, Wright, Mississippi, Barton, Maries, Mercer, Jasper
Nebraska (48 ZIPs)
Knox, Franklin, Boyd, Dundy, Perkins, Blaine, Grant, Keya Paha, Thomas, Box Butte, Wheeler, Banner, Hayes, Rock, Sioux
Iowa (45 ZIPs)
Tama, Decatur, Sac, Washington, Emmet, Clarke
Arkansas (43 ZIPs)
Jefferson, Yell, Boone, Pike, Arkansas
Illinois (43 ZIPs)
Iroquois, Randolph, Cumberland
Indiana (42 ZIPs)
Wayne, Miami, LaGrange, DeKalb, Fayette
Kansas (32 ZIPs)
Reno, Marshall, Rawlins, Wichita
Tennessee (21 ZIPs)
Dyer, Fentress, Monroe, Jackson
Virginia (18 ZIPs)
Halifax, Patrick
Kentucky (14 ZIPs)
Boyle, Carlisle, Carroll
South Dakota (13 ZIPs)
Dewey, Lyman
Georgia (12 ZIPs)
Dodge, Evans, Crisp, Telfair
North Dakota (11 ZIPs)
Cavalier
Minnesota (9 ZIPs)
Norman
Oklahoma (6 ZIPs)
Roger Mills
Michigan (5 ZIPs)
Baraga
South Carolina (5 ZIPs)
Allendale
West Virginia (4 ZIPs)
Doddridge
North Carolina (3 ZIPs)
Yancey
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.