County Cost Group ZZ710: 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 ZZ710 covers 638 ZIP codes in 25 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,515 a month, 27% below the median housing area ($2,064), ranking 285 of 338 nationally.
For officers, an O-3 with dependents gets $2,016, ranking 283 of 338 (20% 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 $288 a month for an E-5 (23% over the $1,227 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 | $1,404 | $1,128 | $276 |
| E-2 | $1,404 | $1,128 | $276 |
| E-3 | $1,404 | $1,128 | $276 |
| E-4 | $1,404 | $1,128 | $276 |
| E-5 | $1,515 | $1,227 | $288 |
| E-6 | $1,818 | $1,362 | $456 |
| E-7 | $1,890 | $1,419 | $471 |
| E-8 | $1,968 | $1,581 | $387 |
| E-9 | $2,082 | $1,665 | $417 |
| W-1 | $1,836 | $1,380 | $456 |
| W-2 | $1,920 | $1,578 | $342 |
| W-3 | $2,019 | $1,677 | $342 |
| W-4 | $2,106 | $1,830 | $276 |
| W-5 | $2,220 | $1,905 | $315 |
| O-1E | $1,902 | $1,512 | $390 |
| O-2E | $2,004 | $1,644 | $360 |
| O-3E | $2,124 | $1,809 | $315 |
| O-1 | $1,560 | $1,293 | $267 |
| O-2 | $1,815 | $1,482 | $333 |
| O-3 | $2,016 | $1,704 | $312 |
| O-4 | $2,253 | $1,887 | $366 |
| O-5 | $2,424 | $1,926 | $498 |
| O-6 | $2,442 | $1,998 | $444 |
| O-7 | $2,454 | $2,028 | $426 |
Official DoD rates for MHA ZZ710. 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 143 miles, E-5 with-dependents BAH runs from $1,377 (Jefferson City, MO Area) to $1,986 (Overland Park, KS Area), a spread of $609 a month or $7,308 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Sedalia, MO Area MO162 | 74 mi | $1,611 | $2,244 |
| Jefferson City, MO Area MO165 | 87 mi | $1,377 | $2,118 |
| Overland Park, KS Area MO160 | 88 mi | $1,986 | $2,310 |
| Fort Leavenworth (Leavenworth, KS) KS102 | 92 mi | $1,815 | $2,394 |
| Des Moines, IA IA082 | 133 mi | $1,770 | $2,433 |
| Topeka, KS KS105 | 143 mi | $1,626 | $2,064 |
Counties in this cost group
Pennsylvania (100 ZIPs)
Huntingdon, Greene, Tioga, Mercer, Sullivan
Texas (78 ZIPs)
Angelina, Grimes, Milam, Jackson, Brewster, Falls, Newton, Red River, Runnels, Hutchinson, Young, Dawson, Deaf Smith, Garza
Minnesota (66 ZIPs)
Mower, Pine, Kandiyohi, Renville, Grant, Meeker, Traverse
New Mexico (50 ZIPs)
McKinley, Lincoln, Socorro, Hidalgo
Michigan (45 ZIPs)
Houghton, St. Joseph, Iosco, Cass, Gladwin
Idaho (42 ZIPs)
Bingham, Bear Lake, Boundary, Lewis, Adams, Caribou, Power, Clark
Kansas (30 ZIPs)
Jackson, Jefferson, Osage, Hamilton
Illinois (25 ZIPs)
Adams, De Witt
Nebraska (19 ZIPs)
Platte, Hamilton, Colfax
New York (19 ZIPs)
Wyoming
Georgia (17 ZIPs)
Meriwether, Montgomery, Chattooga, Candler
Wisconsin (17 ZIPs)
Ashland, Green
Virginia (16 ZIPs)
Prince Edward, Floyd, Nottoway
Indiana (15 ZIPs)
Sullivan, Pulaski
Iowa (14 ZIPs)
Des Moines, Wapello
Oklahoma (14 ZIPs)
Carter, Garvin
Ohio (12 ZIPs)
Shelby
Wyoming (11 ZIPs)
Albany
Utah (9 ZIPs)
Emery
Washington (8 ZIPs)
Ferry
Colorado (7 ZIPs)
Yuma
South Carolina (7 ZIPs)
Darlington
Kentucky (6 ZIPs)
Calloway
Montana (6 ZIPs)
Phillips
South Dakota (5 ZIPs)
Hughes, Stanley
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.