County Cost Group ZZ700: 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 ZZ700 covers 758 ZIP codes in 27 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,497 a month, 27% below the median housing area ($2,064), ranking 289 of 338 nationally.
For officers, an O-3 with dependents gets $1,998, ranking 289 of 338 (21% below the $2,529 median). Promotion from E-5 to E-7 adds $375 a month in housing allowance here, before any change in base pay.
Dependents add $285 a month for an E-5 (24% over the $1,212 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.
| Grade | With dependents | Without | Difference |
|---|---|---|---|
| E-1 | $1,389 | $1,116 | $273 |
| E-2 | $1,389 | $1,116 | $273 |
| E-3 | $1,389 | $1,116 | $273 |
| E-4 | $1,389 | $1,116 | $273 |
| E-5 | $1,497 | $1,212 | $285 |
| E-6 | $1,800 | $1,347 | $453 |
| E-7 | $1,872 | $1,404 | $468 |
| E-8 | $1,947 | $1,563 | $384 |
| E-9 | $2,064 | $1,647 | $417 |
| W-1 | $1,818 | $1,365 | $453 |
| W-2 | $1,902 | $1,560 | $342 |
| W-3 | $2,001 | $1,659 | $342 |
| W-4 | $2,085 | $1,812 | $273 |
| W-5 | $2,199 | $1,887 | $312 |
| O-1E | $1,881 | $1,494 | $387 |
| O-2E | $1,983 | $1,626 | $357 |
| O-3E | $2,103 | $1,791 | $312 |
| O-1 | $1,542 | $1,278 | $264 |
| O-2 | $1,797 | $1,464 | $333 |
| O-3 | $1,998 | $1,686 | $312 |
| O-4 | $2,229 | $1,866 | $363 |
| O-5 | $2,400 | $1,908 | $492 |
| O-6 | $2,418 | $1,977 | $441 |
| O-7 | $2,433 | $2,007 | $426 |
Official DoD rates for MHA ZZ700. 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 139 miles, E-5 with-dependents BAH runs from $1,365 (Paducah, KY) to $2,436 (Saint Louis, MO Area), a spread of $1,071 a month or $12,852 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Saint Louis, MO Area MO161 | 29 mi | $2,436 | $2,760 |
| East Saint Louis, IL Area IL093 | 42 mi | $1,542 | $2,208 |
| Fort Leonard Wood (Waynesville, MO) MO163 | 86 mi | $1,479 | $2,028 |
| Jefferson City, MO Area MO165 | 86 mi | $1,377 | $2,118 |
| Springfield, IL Area IL335 | 120 mi | $1,527 | $2,001 |
| Paducah, KY KY430 | 139 mi | $1,365 | $2,031 |
Counties in this cost group
Texas (119 ZIPs)
Henderson, Lamb, Haskell, Pecos, Duval, Live Oak, Shelby, Calhoun, Dimmit, Jack, La Salle, Mason, Maverick, Mills, Moore, Edwards, Presidio, Somervell, Upton, Briscoe, Cottle, Jeff Davis, Kenedy, Kent, McMullen, San Augustine, Stephens, Stonewall, Terrell, Borden, Crockett, Culberson, Glasscock, Kaufman, King, Kinney, Loving, Reagan, Roberts
Pennsylvania (86 ZIPs)
Indiana, Susquehanna, Clinton, Armstrong, Wyoming
Wyoming (52 ZIPs)
Lincoln, Fremont, Sweetwater, Park, Hot Springs, Washakie
New York (50 ZIPs)
Franklin, Chenango, Fulton
Ohio (41 ZIPs)
Henry, Ross, Champaign, Paulding
Illinois (38 ZIPs)
Williamson, Marshall, Woodford, Stark, Brown
Minnesota (37 ZIPs)
Becker, Cass, Douglas, Aitkin, Mahnomen, Pope
Georgia (36 ZIPs)
Coffee, Sumter, Habersham, Talbot, Baldwin, Stephens, Appling
Nebraska (34 ZIPs)
Otoe, Furnas, Cheyenne, Merrick, Dawes
New Mexico (34 ZIPs)
Mora, Colfax, Union, Guadalupe
Tennessee (29 ZIPs)
Smith, Franklin, Hickman, Marshall
Indiana (28 ZIPs)
Dubois, Jackson, Jennings
Virginia (26 ZIPs)
Franklin, Washington, Scott, Bedford
North Carolina (21 ZIPs)
Davidson, Wilson
Missouri (18 ZIPs)
Taney, Christian
Colorado (17 ZIPs)
Baca, Otero, Costilla
Iowa (13 ZIPs)
Dickinson, Jefferson
Wisconsin (13 ZIPs)
Lafayette, Pepin
Louisiana (12 ZIPs)
Assumption, Grant
Michigan (12 ZIPs)
Arenac, Mason, Lake, Ogemaw
Florida (10 ZIPs)
Taylor, Washington
Maryland (9 ZIPs)
Garrett
South Dakota (8 ZIPs)
Brookings
Oklahoma (5 ZIPs)
Love
Utah (4 ZIPs)
Rich
Kansas (3 ZIPs)
Seward
Mississippi (3 ZIPs)
Perry
Using this rate
- Find your exact rate by duty ZIP, grade and dependency status in the BAH calculator.
- Moving here? Price the move and your PPM in the PCS calculator, and test renting against buying in the rent vs buy calculator.
- See BAH with base pay and BAS as one number in the compensation calculator.
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.