County Cost Group ZZ720: 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 ZZ720 covers 346 ZIP codes in 22 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,536 a month, 26% below the median housing area ($2,064), ranking 279 of 338 nationally.
For officers, an O-3 with dependents gets $2,040, ranking 279 of 338 (19% 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 $291 a month for an E-5 (23% over the $1,245 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 | $1,425 | $1,143 | $282 |
| E-2 | $1,425 | $1,143 | $282 |
| E-3 | $1,425 | $1,143 | $282 |
| E-4 | $1,425 | $1,143 | $282 |
| E-5 | $1,536 | $1,245 | $291 |
| E-6 | $1,839 | $1,377 | $462 |
| E-7 | $1,911 | $1,434 | $477 |
| E-8 | $1,989 | $1,602 | $387 |
| E-9 | $2,106 | $1,686 | $420 |
| W-1 | $1,857 | $1,398 | $459 |
| W-2 | $1,944 | $1,599 | $345 |
| W-3 | $2,043 | $1,698 | $345 |
| W-4 | $2,130 | $1,851 | $279 |
| W-5 | $2,244 | $1,929 | $315 |
| O-1E | $1,923 | $1,533 | $390 |
| O-2E | $2,025 | $1,665 | $360 |
| O-3E | $2,148 | $1,830 | $318 |
| O-1 | $1,578 | $1,311 | $267 |
| O-2 | $1,836 | $1,503 | $333 |
| O-3 | $2,040 | $1,725 | $315 |
| O-4 | $2,277 | $1,908 | $369 |
| O-5 | $2,451 | $1,947 | $504 |
| O-6 | $2,466 | $2,019 | $447 |
| O-7 | $2,481 | $2,052 | $429 |
Official DoD rates for MHA ZZ720. 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 127 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 area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Fort Leonard Wood (Waynesville, MO) MO163 | 35 mi | $1,479 | $2,028 |
| Jefferson City, MO Area MO165 | 73 mi | $1,377 | $2,118 |
| Saint Louis, MO Area MO161 | 80 mi | $2,436 | $2,760 |
| East Saint Louis, IL Area IL093 | 92 mi | $1,542 | $2,208 |
| Springfield, MO Area MO164 | 112 mi | $1,389 | $1,998 |
| Sedalia, MO Area MO162 | 127 mi | $1,611 | $2,244 |
Counties in this cost group
Ohio (57 ZIPs)
Athens, Allen, Knox, Carroll, Fulton, Auglaize
Texas (52 ZIPs)
Fannin, Nacogdoches, Eastland, Hockley, McCulloch, Rains
Pennsylvania (40 ZIPs)
Bradford, Snyder
Oklahoma (31 ZIPs)
Grady, Kingfisher, Pawnee, Woodward
Minnesota (23 ZIPs)
Lyon, Winona, Stevens
Louisiana (17 ZIPs)
Tangipahoa
Arkansas (15 ZIPs)
Craighead
Florida (13 ZIPs)
Jackson
Iowa (11 ZIPs)
Boone, Polk
Idaho (11 ZIPs)
Fremont, Lincoln
Colorado (10 ZIPs)
Washington, Cheyenne
New Mexico (10 ZIPs)
Sierra
Indiana (9 ZIPs)
Vermillion
Georgia (8 ZIPs)
Irwin, Union, Towns
South Dakota (6 ZIPs)
Codington
Utah (6 ZIPs)
Carbon
Wyoming (6 ZIPs)
Sublette
Kentucky (5 ZIPs)
Ballard
Michigan (5 ZIPs)
Lake
North Carolina (5 ZIPs)
Polk
Mississippi (4 ZIPs)
Tate
Nebraska (2 ZIPs)
Stanton
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.