County Cost Group ZZ600: 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 ZZ600 covers 608 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 $1,404 a month, 32% below the median housing area ($2,064), ranking 307 of 338 nationally.
For officers, an O-3 with dependents gets $1,893, ranking 317 of 338 (25% 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 $267 a month for an E-5 (23% over the $1,137 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 | $1,302 | $1,050 | $252 |
| E-2 | $1,302 | $1,050 | $252 |
| E-3 | $1,302 | $1,050 | $252 |
| E-4 | $1,302 | $1,050 | $252 |
| E-5 | $1,404 | $1,137 | $267 |
| E-6 | $1,704 | $1,275 | $429 |
| E-7 | $1,773 | $1,329 | $444 |
| E-8 | $1,845 | $1,470 | $375 |
| E-9 | $1,956 | $1,551 | $405 |
| W-1 | $1,722 | $1,293 | $429 |
| W-2 | $1,803 | $1,467 | $336 |
| W-3 | $1,896 | $1,563 | $333 |
| W-4 | $1,980 | $1,713 | $267 |
| W-5 | $2,088 | $1,788 | $300 |
| O-1E | $1,782 | $1,401 | $381 |
| O-2E | $1,881 | $1,533 | $348 |
| O-3E | $1,998 | $1,695 | $303 |
| O-1 | $1,446 | $1,194 | $252 |
| O-2 | $1,701 | $1,374 | $327 |
| O-3 | $1,893 | $1,593 | $300 |
| O-4 | $2,118 | $1,767 | $351 |
| O-5 | $2,280 | $1,806 | $474 |
| O-6 | $2,298 | $1,875 | $423 |
| O-7 | $2,310 | $1,902 | $408 |
Official DoD rates for MHA ZZ600. 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 134 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 |
|---|---|---|---|
| Saint Louis, MO Area MO161 | 36 mi | $2,436 | $2,760 |
| East Saint Louis, IL Area IL093 | 50 mi | $1,542 | $2,208 |
| Springfield, IL Area IL335 | 70 mi | $1,527 | $2,001 |
| Jefferson City, MO Area MO165 | 96 mi | $1,377 | $2,118 |
| Peoria, IL Area IL090 | 115 mi | $1,572 | $2,040 |
| Fort Leonard Wood (Waynesville, MO) MO163 | 134 mi | $1,479 | $2,028 |
Counties in this cost group
Iowa (68 ZIPs)
Clinton, Sioux, Crawford, Chickasaw, Worth, Montgomery, Lucas
Missouri (54 ZIPs)
Polk, Cooper, Moniteau, Dallas, Gentry, Perry, Adair, Scotland, Webster
Oklahoma (52 ZIPs)
Mayes, Pontotoc, Grant, Jefferson, Okmulgee, Seminole, Nowata
Pennsylvania (42 ZIPs)
Northumberland, Venango, Cameron
West Virginia (42 ZIPs)
Fayette
New Mexico (40 ZIPs)
Rio Arriba, Cibola, Valencia
South Dakota (39 ZIPs)
Harding, Douglas, Faulk, Walworth, Moody, Haakon, Hyde, Jerauld, Mellette, Sully
Indiana (36 ZIPs)
Randolph, Wells, Parke, Owen, Switzerland, Clay, Huntington
Wisconsin (31 ZIPs)
Shawano, Jackson, Richland, Adams, Vernon
Georgia (28 ZIPs)
Jefferson, Screven, Clay, Banks, Glascock, Johnson, Taliaferro, Webster, Jackson
Tennessee (27 ZIPs)
Hardeman, Giles, Decatur, Johnson
Nebraska (25 ZIPs)
Adams, Harlan, Webster, Brown, Deuel, Arthur, Garfield, Loup
Michigan (23 ZIPs)
Sanilac, Presque Isle
Illinois (20 ZIPs)
Marion, Jo Daviess
Alabama (18 ZIPs)
Walker
Virginia (14 ZIPs)
Highland, Alleghany, Page, Covington (city)
Arkansas (12 ZIPs)
Baxter
North Carolina (10 ZIPs)
Alleghany, Jones, Ashe
Texas (9 ZIPs)
Titus, Gaines, Winkler
Kentucky (8 ZIPs)
Henderson
Ohio (6 ZIPs)
Noble
North Dakota (4 ZIPs)
Ransom
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.