County Cost Group ZZ590: 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 ZZ590 covers 612 ZIP codes in 22 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,392 a month, 33% below the median housing area ($2,064), ranking 311 of 338 nationally.
For officers, an O-3 with dependents gets $1,881, ranking 318 of 338 (26% below the $2,529 median). Promotion from E-5 to E-7 adds $369 a month in housing allowance here, before any change in base pay.
Dependents add $264 a month for an E-5 (23% over the $1,128 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 | $1,290 | $1,041 | $249 |
| E-2 | $1,290 | $1,041 | $249 |
| E-3 | $1,290 | $1,041 | $249 |
| E-4 | $1,290 | $1,041 | $249 |
| E-5 | $1,392 | $1,128 | $264 |
| E-6 | $1,692 | $1,266 | $426 |
| E-7 | $1,761 | $1,320 | $441 |
| E-8 | $1,833 | $1,458 | $375 |
| E-9 | $1,944 | $1,539 | $405 |
| W-1 | $1,710 | $1,284 | $426 |
| W-2 | $1,791 | $1,455 | $336 |
| W-3 | $1,884 | $1,551 | $333 |
| W-4 | $1,968 | $1,701 | $267 |
| W-5 | $2,073 | $1,776 | $297 |
| O-1E | $1,770 | $1,389 | $381 |
| O-2E | $1,869 | $1,521 | $348 |
| O-3E | $1,983 | $1,683 | $300 |
| O-1 | $1,437 | $1,185 | $252 |
| O-2 | $1,689 | $1,362 | $327 |
| O-3 | $1,881 | $1,581 | $300 |
| O-4 | $2,103 | $1,755 | $348 |
| O-5 | $2,268 | $1,794 | $474 |
| O-6 | $2,283 | $1,860 | $423 |
| O-7 | $2,295 | $1,890 | $405 |
Official DoD rates for MHA ZZ590. 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 125 miles, E-5 with-dependents BAH runs from $1,377 (Jefferson City, MO Area) to $2,436 (Saint Louis, MO Area), a spread of $1,059 a month or $12,708 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Peoria, IL Area IL090 | 75 mi | $1,572 | $2,040 |
| Springfield, IL Area IL335 | 81 mi | $1,527 | $2,001 |
| Davenport, IA Area IL089 | 95 mi | $1,908 | $2,298 |
| Saint Louis, MO Area MO161 | 112 mi | $2,436 | $2,760 |
| Jefferson City, MO Area MO165 | 121 mi | $1,377 | $2,118 |
| East Saint Louis, IL Area IL093 | 125 mi | $1,542 | $2,208 |
Counties in this cost group
Iowa (92 ZIPs)
Fayette, Webster, Marshall, Henry, Franklin, Hamilton, Cedar, Hancock, Winnebago
North Dakota (79 ZIPs)
McLean, Pembina, Barnes, Benson, Nelson, Wells, Dunn, Foster, Hettinger, Pierce, Stutsman
Illinois (65 ZIPs)
Logan, Greene, Ford, Edgar, Henderson, Carroll, Hamilton, Wabash
Oklahoma (39 ZIPs)
Muskogee, Blaine, Noble, Woods, Craig, Mayes
Missouri (38 ZIPs)
Howell, McDonald, Osage, Dade, Benton
Nebraska (34 ZIPs)
Butler, Antelope, Sheridan, Boone, Hitchcock, Nance
Pennsylvania (34 ZIPs)
Jefferson, Potter
West Virginia (32 ZIPs)
Logan
Indiana (28 ZIPs)
Carroll, Adams, Jay, Starke
Ohio (27 ZIPs)
Adams, Van Wert, Sandusky, Scioto
Texas (25 ZIPs)
Floyd, Dickens, Fisher, Sabine, Motley, Zapata, Jim Hogg
Wisconsin (18 ZIPs)
Marinette, Burnett
South Carolina (16 ZIPs)
Newberry, McCormick
Tennessee (15 ZIPs)
Scott, DeKalb, Clay, Haywood, Moore
Georgia (14 ZIPs)
Washington, Telfair, Jeff Davis, Ben Hill
Michigan (12 ZIPs)
Osceola, Ogemaw
Arkansas (9 ZIPs)
Arkansas
Virginia (9 ZIPs)
Lee
Louisiana (8 ZIPs)
St. James
North Carolina (7 ZIPs)
Macon, Graham
Mississippi (6 ZIPs)
Pontotoc
South Dakota (5 ZIPs)
Perkins
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.