2026 BAH Rates: County Cost Group ZZ680

County cost group ZZ680 · 450 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 › ZZ680

County Cost Group ZZ680: 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 ZZ680 covers 450 ZIP codes in 22 states. If your duty ZIP falls in one of the counties below, this is your BAH.

E-4 with deps
$1,365
$1,095 without
E-5 with deps
$1,470
$1,191 without
E-6 with deps
$1,773
$1,329 without
E-7 with deps
$1,842
$1,383 without
O-3 with deps
$1,968
$1,659 without

An E-5 with dependents here receives $1,470 a month, 29% below the median housing area ($2,064), ranking 296 of 338 nationally.

For officers, an O-3 with dependents gets $1,968, ranking 296 of 338 (22% 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 $279 a month for an E-5 (23% over the $1,191 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$1,365$1,095$270
E-2$1,365$1,095$270
E-3$1,365$1,095$270
E-4$1,365$1,095$270
E-5$1,470$1,191$279
E-6$1,773$1,329$444
E-7$1,842$1,383$459
E-8$1,920$1,536$384
E-9$2,034$1,620$414
W-1$1,791$1,344$447
W-2$1,875$1,533$342
W-3$1,971$1,632$339
W-4$2,058$1,785$273
W-5$2,166$1,860$306
O-1E$1,854$1,467$387
O-2E$1,956$1,602$354
O-3E$2,073$1,764$309
O-1$1,515$1,254$261
O-2$1,770$1,440$330
O-3$1,968$1,659$309
O-4$2,199$1,839$360
O-5$2,367$1,878$489
O-6$2,385$1,947$438
O-7$2,397$1,980$417

Official DoD rates for MHA ZZ680. 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 135 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
Jefferson City, MO Area MO16563 mi$1,377$2,118
Saint Louis, MO Area MO161101 mi$2,436$2,760
Sedalia, MO Area MO162114 mi$1,611$2,244
East Saint Louis, IL Area IL093121 mi$1,542$2,208
Springfield, IL Area IL335123 mi$1,527$2,001
Peoria, IL Area IL090135 mi$1,572$2,040

Counties in this cost group

Pennsylvania (61 ZIPs)

Somerset, Crawford

Michigan (57 ZIPs)

Van Buren, Menominee, Isabella, Iron, Gogebic, Schoolcraft, Crawford

Nebraska (56 ZIPs)

Custer, Seward, Cedar, Dixon, Jefferson, Madison, Wayne

Ohio (42 ZIPs)

Muskingum, Guernsey, Marion

Texas (40 ZIPs)

Gonzales, Comanche, Willacy, Morris, Hall, Kimble, Madison, Camp, Baylor

Minnesota (31 ZIPs)

Nobles, McLeod, Cottonwood, Chippewa, Rock

Georgia (19 ZIPs)

Wilkinson, Clinch, Baker, Hart, Jenkins, Bacon, Hancock, Seminole

Oklahoma (19 ZIPs)

Kiowa, Beckham, Custer

Wyoming (19 ZIPs)

Carbon, Uinta

New Mexico (18 ZIPs)

Grant

Wisconsin (18 ZIPs)

Barron, Lincoln

Iowa (12 ZIPs)

Jasper

Kansas (12 ZIPs)

Sumner, Sedgwick

Colorado (10 ZIPs)

Prowers, Saguache

North Carolina (9 ZIPs)

Rockingham

South Dakota (7 ZIPs)

Charles Mix

Utah (6 ZIPs)

Wayne

Illinois (4 ZIPs)

Massac, Johnson

Indiana (4 ZIPs)

Scott, Clark

Kentucky (3 ZIPs)

Hancock

Virginia (2 ZIPs)

Cumberland

Tennessee (1 ZIPs)

Lewis

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.