County Cost Group ZZ730: 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 ZZ730 covers 740 ZIP codes in 29 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,557 a month, 25% below the median housing area ($2,064), ranking 270 of 338 nationally.
For officers, an O-3 with dependents gets $2,064, ranking 272 of 338 (18% below the $2,529 median). Promotion from E-5 to E-7 adds $378 a month in housing allowance here, before any change in base pay.
Dependents add $294 a month for an E-5 (23% over the $1,263 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 | $1,446 | $1,158 | $288 |
| E-2 | $1,446 | $1,158 | $288 |
| E-3 | $1,446 | $1,158 | $288 |
| E-4 | $1,446 | $1,158 | $288 |
| E-5 | $1,557 | $1,263 | $294 |
| E-6 | $1,863 | $1,395 | $468 |
| E-7 | $1,935 | $1,452 | $483 |
| E-8 | $2,013 | $1,623 | $390 |
| E-9 | $2,133 | $1,707 | $426 |
| W-1 | $1,881 | $1,419 | $462 |
| W-2 | $1,968 | $1,620 | $348 |
| W-3 | $2,067 | $1,722 | $345 |
| W-4 | $2,157 | $1,875 | $282 |
| W-5 | $2,271 | $1,953 | $318 |
| O-1E | $1,947 | $1,554 | $393 |
| O-2E | $2,049 | $1,689 | $360 |
| O-3E | $2,175 | $1,854 | $321 |
| O-1 | $1,602 | $1,332 | $270 |
| O-2 | $1,860 | $1,524 | $336 |
| O-3 | $2,064 | $1,749 | $315 |
| O-4 | $2,304 | $1,932 | $372 |
| O-5 | $2,478 | $1,974 | $504 |
| O-6 | $2,496 | $2,043 | $453 |
| O-7 | $2,511 | $2,076 | $435 |
Official DoD rates for MHA ZZ730. 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 $1,527 (Springfield, IL Area) to $2,436 (Saint Louis, MO Area), a spread of $909 a month or $10,908 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Peoria, IL Area IL090 | 32 mi | $1,572 | $2,040 |
| Springfield, IL Area IL335 | 54 mi | $1,527 | $2,001 |
| Davenport, IA Area IL089 | 83 mi | $1,908 | $2,298 |
| Champaign, IL Area IL088 | 102 mi | $1,539 | $2,127 |
| Saint Louis, MO Area MO161 | 122 mi | $2,436 | $2,760 |
| East Saint Louis, IL Area IL093 | 129 mi | $1,542 | $2,208 |
Counties in this cost group
Indiana (73 ZIPs)
Vanderburgh, Delaware, Putnam, Warrick, Posey, Whitley, Hendricks
Pennsylvania (71 ZIPs)
Cambria, Lawrence
Ohio (56 ZIPs)
Ottawa, Brown, Auglaize, Clinton, Erie
Minnesota (55 ZIPs)
Itasca, Crow Wing, Wabasha, Hubbard, Aitkin
Texas (54 ZIPs)
Fayette, Brown, Lavaca, Reeves, Nolan, Parmer, Franklin, Hansford, Real, Childress
Missouri (52 ZIPs)
Cape Girardeau, Buchanan, Andrew, Bollinger, DeKalb, Perry
New York (49 ZIPs)
Delaware, Montgomery
Wisconsin (39 ZIPs)
Sheboygan, Dunn, Door
Virginia (34 ZIPs)
Shenandoah, Essex, Southampton, Greensville, Emporia (city), Sussex
Illinois (26 ZIPs)
Ogle, Alexander, Pope
Colorado (24 ZIPs)
Kit Carson, Lincoln, Alamosa, Bent, Phillips
Nebraska (24 ZIPs)
Buffalo, Dodge
North Dakota (19 ZIPs)
McHenry, Mountrail
Washington (19 ZIPs)
Okanogan
Georgia (17 ZIPs)
Gordon, Murray, Gilmer
New Mexico (15 ZIPs)
San Miguel
West Virginia (14 ZIPs)
Preston
Oregon (12 ZIPs)
Harney, Wheeler
Vermont (12 ZIPs)
Essex
Kentucky (11 ZIPs)
Nelson, Simpson
Iowa (10 ZIPs)
Muscatine
Idaho (10 ZIPs)
Lemhi
Tennessee (10 ZIPs)
Putnam
South Dakota (8 ZIPs)
Butte, Potter
Kansas (7 ZIPs)
Doniphan
Wyoming (7 ZIPs)
Campbell
Alabama (6 ZIPs)
Greene
Florida (4 ZIPs)
Holmes
Nevada (2 ZIPs)
Pershing
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.