2026 BAH Rates: County Cost Group ZZ670

County cost group ZZ670 · 383 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 › ZZ670

County Cost Group ZZ670: 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 ZZ670 covers 383 ZIP codes in 22 states. If your duty ZIP falls in one of the counties below, this is your BAH.

E-4 with deps
$1,356
$1,089 without
E-5 with deps
$1,461
$1,185 without
E-6 with deps
$1,764
$1,320 without
E-7 with deps
$1,833
$1,374 without
O-3 with deps
$1,959
$1,650 without

An E-5 with dependents here receives $1,461 a month, 29% below the median housing area ($2,064), ranking 298 of 338 nationally.

For officers, an O-3 with dependents gets $1,959, ranking 299 of 338 (23% below the $2,529 median). Promotion from E-5 to E-7 adds $372 a month in housing allowance here, before any change in base pay.

Dependents add $276 a month for an E-5 (23% over the $1,185 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$1,356$1,089$267
E-2$1,356$1,089$267
E-3$1,356$1,089$267
E-4$1,356$1,089$267
E-5$1,461$1,185$276
E-6$1,764$1,320$444
E-7$1,833$1,374$459
E-8$1,908$1,527$381
E-9$2,022$1,611$411
W-1$1,782$1,338$444
W-2$1,863$1,524$339
W-3$1,962$1,623$339
W-4$2,046$1,773$273
W-5$2,157$1,848$309
O-1E$1,845$1,458$387
O-2E$1,944$1,590$354
O-3E$2,064$1,755$309
O-1$1,506$1,245$261
O-2$1,761$1,431$330
O-3$1,959$1,650$309
O-4$2,187$1,830$357
O-5$2,355$1,869$486
O-6$2,373$1,938$435
O-7$2,385$1,968$417

Official DoD rates for MHA ZZ670. 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 128 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
Springfield, IL Area IL33557 mi$1,527$2,001
Saint Louis, MO Area MO16165 mi$2,436$2,760
East Saint Louis, IL Area IL09377 mi$1,542$2,208
Peoria, IL Area IL09090 mi$1,572$2,040
Jefferson City, MO Area MO165106 mi$1,377$2,118
Champaign, IL Area IL088128 mi$1,539$2,127

Counties in this cost group

Ohio (59 ZIPs)

Washington, Ashtabula, Putnam, Hocking

Oklahoma (51 ZIPs)

Pittsburg, Johnston, Stephens, Alfalfa, Dewey, Bryan

Michigan (48 ZIPs)

Gratiot, Alcona, Cheboygan, Mecosta, Roscommon

Minnesota (27 ZIPs)

Murray, Rock, Cook, Pope, Pipestone

Nebraska (26 ZIPs)

Saline, Nemaha, Howard, Phelps

Illinois (24 ZIPs)

Bureau

Texas (20 ZIPs)

Cass, Delta, Ochiltree

Georgia (19 ZIPs)

Wayne, Mitchell, Wilcox, Appling, Charlton, Pulaski, Schley

Wisconsin (15 ZIPs)

Waushara, Taylor

Colorado (14 ZIPs)

Conejos, Jackson, Huerfano

Indiana (14 ZIPs)

Clinton, Warren, Blackford

Virginia (9 ZIPs)

Giles

North Carolina (8 ZIPs)

Bertie

North Dakota (8 ZIPs)

Sargent

South Dakota (8 ZIPs)

Bon Homme, Davison

Kansas (7 ZIPs)

Ellis

Louisiana (6 ZIPs)

Union

Alabama (5 ZIPs)

Lawrence

Wyoming (5 ZIPs)

Platte

Tennessee (4 ZIPs)

White

Kentucky (3 ZIPs)

Owen

New Mexico (3 ZIPs)

Luna

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.