2026 BAH Rates: County Cost Group ZZ690

County cost group ZZ690 · 574 ZIP codes in 17 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 › ZZ690

County Cost Group ZZ690: 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 ZZ690 covers 574 ZIP codes in 17 states. If your duty ZIP falls in one of the counties below, this is your BAH.

E-4 with deps
$1,374
$1,104 without
E-5 with deps
$1,482
$1,200 without
E-6 with deps
$1,785
$1,338 without
E-7 with deps
$1,854
$1,392 without
O-3 with deps
$1,980
$1,671 without

An E-5 with dependents here receives $1,482 a month, 28% below the median housing area ($2,064), ranking 292 of 338 nationally.

For officers, an O-3 with dependents gets $1,980, ranking 291 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 $282 a month for an E-5 (24% over the $1,200 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$1,374$1,104$270
E-2$1,374$1,104$270
E-3$1,374$1,104$270
E-4$1,374$1,104$270
E-5$1,482$1,200$282
E-6$1,785$1,338$447
E-7$1,854$1,392$462
E-8$1,932$1,548$384
E-9$2,046$1,632$414
W-1$1,803$1,353$450
W-2$1,887$1,545$342
W-3$1,983$1,644$339
W-4$2,070$1,794$276
W-5$2,181$1,872$309
O-1E$1,866$1,479$387
O-2E$1,968$1,611$357
O-3E$2,088$1,776$312
O-1$1,527$1,263$264
O-2$1,782$1,452$330
O-3$1,980$1,671$309
O-4$2,214$1,851$363
O-5$2,382$1,893$489
O-6$2,400$1,962$438
O-7$2,412$1,992$420

Official DoD rates for MHA ZZ690. 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 129 miles, E-5 with-dependents BAH runs from $1,482 (this area) to $1,947 (Fort Wayne, IN), a spread of $465 a month or $5,580 a year for the same rank.

Housing areaDistanceE-5 with depsO-3 with deps
Terre Haute, IN Area IN33842 mi$1,494$2,001
Indianapolis, IN Area IN09456 mi$1,875$2,307
Champaign, IL Area IL08858 mi$1,539$2,127
Bloomington, IN Area IN39967 mi$1,905$2,469
Springfield, IL Area IL335126 mi$1,527$2,001
Fort Wayne, IN IN097129 mi$1,947$2,205

Counties in this cost group

Minnesota (85 ZIPs)

Otter Tail, Redwood, Morrison, Fillmore, Todd, Aitkin, Lac qui Parle, Waseca, Kanabec

Ohio (82 ZIPs)

Tuscarawas, Wayne, Scioto, Richland, Coshocton, Gallia

Texas (69 ZIPs)

Coleman, Cherokee, Starr, Tyler, Hale, Refugio, Castro, Menard, San Saba, Swisher, Zavala, Brooks, Hemphill, Lampasas

Michigan (68 ZIPs)

Genesee, Alger, Delta, Ontonagon, Montmorency

Pennsylvania (64 ZIPs)

Schuylkill, Forest

New York (47 ZIPs)

St. Lawrence

Georgia (43 ZIPs)

Laurens, Emanuel, Ware, Warren, Taylor, Elbert, Grady, Lamar, Baker, Calhoun, Clay, Columbia, Terrell

Indiana (23 ZIPs)

Crawford, Steuben, Decatur, Orange

Maryland (22 ZIPs)

Allegany

Nebraska (14 ZIPs)

Lincoln, Sherman

Oklahoma (14 ZIPs)

Bryan

West Virginia (14 ZIPs)

Clay

Utah (9 ZIPs)

Garfield

Wyoming (9 ZIPs)

Goshen

North Dakota (7 ZIPs)

Rolette

Colorado (2 ZIPs)

Rio Blanco

Tennessee (2 ZIPs)

Macon

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.