2026 BAH Rates: County Cost Group ZZ650

County cost group ZZ650 · 320 ZIP codes in 22 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 › ZZ650

County Cost Group ZZ650: 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 ZZ650 covers 320 ZIP codes in 22 states. If your duty ZIP falls in one of the counties below, this is your BAH.

E-4 with deps
$1,335
$1,074 without
E-5 with deps
$1,443
$1,167 without
E-6 with deps
$1,743
$1,305 without
E-7 with deps
$1,812
$1,359 without
O-3 with deps
$1,935
$1,629 without

An E-5 with dependents here receives $1,443 a month, 30% below the median housing area ($2,064), ranking 300 of 338 nationally.

For officers, an O-3 with dependents gets $1,935, ranking 307 of 338 (23% 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 $276 a month for an E-5 (24% over the $1,167 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$1,335$1,074$261
E-2$1,335$1,074$261
E-3$1,335$1,074$261
E-4$1,335$1,074$261
E-5$1,443$1,167$276
E-6$1,743$1,305$438
E-7$1,812$1,359$453
E-8$1,887$1,506$381
E-9$2,001$1,590$411
W-1$1,761$1,320$441
W-2$1,842$1,503$339
W-3$1,938$1,602$336
W-4$2,022$1,752$270
W-5$2,133$1,827$306
O-1E$1,824$1,440$384
O-2E$1,923$1,569$354
O-3E$2,040$1,734$306
O-1$1,485$1,227$258
O-2$1,740$1,410$330
O-3$1,935$1,629$306
O-4$2,163$1,809$354
O-5$2,331$1,848$483
O-6$2,346$1,917$429
O-7$2,358$1,944$414

Official DoD rates for MHA ZZ650. 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 133 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 areaDistanceE-5 with depsO-3 with deps
Saint Louis, MO Area MO16130 mi$2,436$2,760
East Saint Louis, IL Area IL09342 mi$1,542$2,208
Springfield, IL Area IL33567 mi$1,527$2,001
Jefferson City, MO Area MO165104 mi$1,377$2,118
Peoria, IL Area IL090117 mi$1,572$2,040
Champaign, IL Area IL088133 mi$1,539$2,127

Counties in this cost group

Texas (38 ZIPs)

Trinity, Lipscomb, Collingsworth, Hudspeth, Jim Wells, Knox, Bailey, Terry, Shackelford, Sherman, Schleicher

Wisconsin (33 ZIPs)

Grant, Oneida

South Dakota (32 ZIPs)

Roberts, Oglala Lakota County, Yankton, Campbell, Hand, Hanson, Bennett, Faulk

Pennsylvania (29 ZIPs)

Clarion

Virginia (21 ZIPs)

Buchanan, Buckingham, Albemarle, Nelson

Georgia (18 ZIPs)

Fannin, Pierce, Greene, Polk

Indiana (17 ZIPs)

Montgomery, Pike

Minnesota (17 ZIPs)

Freeborn, Clearwater

North Carolina (16 ZIPs)

Montgomery, Cherokee, Person, Granville

Iowa (14 ZIPs)

Poweshiek, Howard

Oklahoma (13 ZIPs)

Washington, Murray, Oklahoma

West Virginia (13 ZIPs)

Upshur, Morgan

Michigan (11 ZIPs)

Mackinac, Clare

New Mexico (8 ZIPs)

Quay

Alabama (7 ZIPs)

Chilton

Wyoming (7 ZIPs)

Crook

Arkansas (5 ZIPs)

Grant

Missouri (5 ZIPs)

Howard

Mississippi (5 ZIPs)

Pearl River

Nebraska (5 ZIPs)

Frontier

Florida (3 ZIPs)

Hamilton

Kentucky (3 ZIPs)

Allen

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.