2026 BAH Rates: County Cost Group ZZ640

County cost group ZZ640 · 509 ZIP codes in 21 states

Built by , active-duty Army SFC Rates: BAH rates (DoD Housing Office) Updated
Personal project. Views are my own, not the Army’s or DoD’s. Educational estimates, not financial advice.
BAH calculator › BAH by housing area › ZZ640

County Cost Group ZZ640: 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 ZZ640 covers 509 ZIP codes in 21 states. If your duty ZIP falls in one of the counties below, this is your BAH.

E-4 with deps
$1,329
$1,071 without
E-5 with deps
$1,434
$1,161 without
E-6 with deps
$1,734
$1,299 without
E-7 with deps
$1,803
$1,353 without
O-3 with deps
$1,926
$1,623 without

An E-5 with dependents here receives $1,434 a month, 31% below the median housing area ($2,064), ranking 301 of 338 nationally.

For officers, an O-3 with dependents gets $1,926, ranking 309 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 $273 a month for an E-5 (24% over the $1,161 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.

GradeWith dependentsWithoutDifference
E-1$1,329$1,071$258
E-2$1,329$1,071$258
E-3$1,329$1,071$258
E-4$1,329$1,071$258
E-5$1,434$1,161$273
E-6$1,734$1,299$435
E-7$1,803$1,353$450
E-8$1,878$1,500$378
E-9$1,992$1,581$411
W-1$1,752$1,314$438
W-2$1,833$1,497$336
W-3$1,929$1,593$336
W-4$2,013$1,746$267
W-5$2,124$1,821$303
O-1E$1,815$1,431$384
O-2E$1,914$1,563$351
O-3E$2,031$1,725$306
O-1$1,476$1,221$255
O-2$1,731$1,404$327
O-3$1,926$1,623$303
O-4$2,154$1,800$354
O-5$2,319$1,839$480
O-6$2,337$1,908$429
O-7$2,349$1,938$411

Official DoD rates for MHA ZZ640. 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 105 miles, E-5 with-dependents BAH runs from $1,434 (this area) to $1,989 (Louisville, KY), a spread of $555 a month or $6,660 a year for the same rank.

Housing areaDistanceE-5 with depsO-3 with deps
Bloomington, IN Area IN39913 mi$1,905$2,469
Terre Haute, IN Area IN33828 mi$1,494$2,001
Indianapolis, IN Area IN09464 mi$1,875$2,307
Louisville, KY KY10991 mi$1,989$2,394
Champaign, IL Area IL08895 mi$1,539$2,127
Hardin County, KY KY110105 mi$1,647$2,421

Counties in this cost group

New York (61 ZIPs)

Cattaraugus, Allegany

Illinois (58 ZIPs)

Livingston, Jefferson, Mason, Crawford, Putnam, Moultrie

West Virginia (58 ZIPs)

Raleigh, Wayne, Cabell

Iowa (38 ZIPs)

Buchanan, Humboldt, Plymouth, Cass

Alabama (31 ZIPs)

Washington, Lauderdale, Colbert

North Carolina (31 ZIPs)

Wilkes, Avery, Richmond

Tennessee (30 ZIPs)

McNairy, Greene, Morgan, Houston, Bledsoe

Texas (28 ZIPs)

Lamar, Gray, Wheeler, Cochran, Foard

Minnesota (26 ZIPs)

Faribault, Marshall, Lake of the Woods

Indiana (24 ZIPs)

Ripley, Perry, Jefferson

Ohio (24 ZIPs)

Logan, Lawrence

South Dakota (17 ZIPs)

Day, Brule, Aurora, Sanborn

Oklahoma (14 ZIPs)

Garvin, Tillman

Kentucky (13 ZIPs)

Greenup, Boyd

Wisconsin (12 ZIPs)

Trempealeau

Pennsylvania (11 ZIPs)

Juniata

Georgia (9 ZIPs)

Franklin, Upson, Lincoln

Nebraska (8 ZIPs)

Dawson

Virginia (8 ZIPs)

Carroll, Galax (city)

Florida (4 ZIPs)

Calhoun

Michigan (4 ZIPs)

Oscoda

Using this rate

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.