County Cost Group ZZ630: 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 ZZ630 covers 520 ZIP codes in 21 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,425 a month, 31% below the median housing area ($2,064), ranking 302 of 338 nationally.
For officers, an O-3 with dependents gets $1,917, ranking 312 of 338 (24% 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 $270 a month for an E-5 (23% over the $1,155 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 | $1,320 | $1,065 | $255 |
| E-2 | $1,320 | $1,065 | $255 |
| E-3 | $1,320 | $1,065 | $255 |
| E-4 | $1,320 | $1,065 | $255 |
| E-5 | $1,425 | $1,155 | $270 |
| E-6 | $1,725 | $1,293 | $432 |
| E-7 | $1,794 | $1,347 | $447 |
| E-8 | $1,869 | $1,491 | $378 |
| E-9 | $1,983 | $1,572 | $411 |
| W-1 | $1,746 | $1,311 | $435 |
| W-2 | $1,827 | $1,488 | $339 |
| W-3 | $1,920 | $1,587 | $333 |
| W-4 | $2,004 | $1,737 | $267 |
| W-5 | $2,112 | $1,812 | $300 |
| O-1E | $1,806 | $1,422 | $384 |
| O-2E | $1,905 | $1,554 | $351 |
| O-3E | $2,022 | $1,719 | $303 |
| O-1 | $1,470 | $1,215 | $255 |
| O-2 | $1,722 | $1,395 | $327 |
| O-3 | $1,917 | $1,614 | $303 |
| O-4 | $2,145 | $1,791 | $354 |
| O-5 | $2,310 | $1,830 | $480 |
| O-6 | $2,325 | $1,899 | $426 |
| O-7 | $2,340 | $1,929 | $411 |
Official DoD rates for MHA ZZ630. 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 $1,425 (this area) to $2,436 (Saint Louis, MO Area), a spread of $1,011 a month or $12,132 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Springfield, IL Area IL335 | 29 mi | $1,527 | $2,001 |
| Saint Louis, MO Area MO161 | 63 mi | $2,436 | $2,760 |
| East Saint Louis, IL Area IL093 | 64 mi | $1,542 | $2,208 |
| Peoria, IL Area IL090 | 85 mi | $1,572 | $2,040 |
| Champaign, IL Area IL088 | 97 mi | $1,539 | $2,127 |
| Terre Haute, IN Area IN338 | 134 mi | $1,494 | $2,001 |
Counties in this cost group
Oklahoma (58 ZIPs)
McCurtain, Pottawatomie, Le Flore, Lincoln, McIntosh, Beaver
Ohio (57 ZIPs)
Darke, Huron, Mercer, Defiance, Wyandot, Morgan, Richland
Pennsylvania (57 ZIPs)
Bedford, McKean, Elk
Indiana (44 ZIPs)
Gibson, Grant, White, Fountain, Huntington
Minnesota (36 ZIPs)
Brown, Sibley, Watonwan, Pipestone, Jackson, Mahnomen, Polk
South Dakota (35 ZIPs)
Beadle, Grant, Lake, Deuel, Marshall
Iowa (28 ZIPs)
Iowa, Cherokee, Greene
Georgia (27 ZIPs)
Tattnall, Decatur, Macon, Toombs, Wilkes, Ben Hill, Bleckley, Calhoun, Clay, Dooly, Early, Miller, Seminole
Texas (23 ZIPs)
Panola, Wilbarger, Jasper, Lynn, Marion, Sabine
Wisconsin (21 ZIPs)
Vernon, Iron, Florence
North Carolina (19 ZIPs)
Stanly, Beaufort
Nebraska (19 ZIPs)
Cherry, Fillmore, Gosper
Missouri (18 ZIPs)
Bates, Camden
Tennessee (14 ZIPs)
Coffee, Cumberland
Michigan (12 ZIPs)
Oceana, Keweenaw
Mississippi (12 ZIPs)
Lee
Wyoming (12 ZIPs)
Big Horn
Illinois (11 ZIPs)
McDonough
Arkansas (10 ZIPs)
Greene, Calhoun
Alabama (4 ZIPs)
Chambers
New Mexico (3 ZIPs)
DeBaca
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.