County Cost Group ZZ740: 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 ZZ740 covers 793 ZIP codes in 30 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,590 a month, 23% below the median housing area ($2,064), ranking 262 of 338 nationally.
For officers, an O-3 with dependents gets $2,097, ranking 267 of 338 (17% 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 $300 a month for an E-5 (23% over the $1,290 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 | $1,476 | $1,179 | $297 |
| E-2 | $1,476 | $1,179 | $297 |
| E-3 | $1,476 | $1,179 | $297 |
| E-4 | $1,476 | $1,179 | $297 |
| E-5 | $1,590 | $1,290 | $300 |
| E-6 | $1,896 | $1,419 | $477 |
| E-7 | $1,968 | $1,476 | $492 |
| E-8 | $2,049 | $1,656 | $393 |
| E-9 | $2,166 | $1,740 | $426 |
| W-1 | $1,914 | $1,449 | $465 |
| W-2 | $2,001 | $1,653 | $348 |
| W-3 | $2,100 | $1,752 | $348 |
| W-4 | $2,193 | $1,908 | $285 |
| W-5 | $2,307 | $1,986 | $321 |
| O-1E | $1,980 | $1,587 | $393 |
| O-2E | $2,085 | $1,719 | $366 |
| O-3E | $2,211 | $1,887 | $324 |
| O-1 | $1,632 | $1,359 | $273 |
| O-2 | $1,893 | $1,554 | $339 |
| O-3 | $2,097 | $1,782 | $315 |
| O-4 | $2,343 | $1,965 | $378 |
| O-5 | $2,520 | $2,007 | $513 |
| O-6 | $2,538 | $2,079 | $459 |
| O-7 | $2,553 | $2,112 | $441 |
Official DoD rates for MHA ZZ740. 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 130 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 |
|---|---|---|---|
| Jefferson City, MO Area MO165 | 32 mi | $1,377 | $2,118 |
| Sedalia, MO Area MO162 | 48 mi | $1,611 | $2,244 |
| Overland Park, KS Area MO160 | 99 mi | $1,986 | $2,310 |
| Fort Leonard Wood (Waynesville, MO) MO163 | 104 mi | $1,479 | $2,028 |
| Fort Leavenworth (Leavenworth, KS) KS102 | 114 mi | $1,815 | $2,394 |
| Springfield, MO Area MO164 | 130 mi | $1,389 | $1,998 |
Counties in this cost group
Texas (133 ZIPs)
Hill, Anderson, Bowie, Navarro, Colorado, Polk, Atascosa, Hopkins, Palo Pinto, DeWitt, Montague, Van Zandt, Frio, Lee, Mitchell, Ellis
New York (71 ZIPs)
Broome, Genesee, Tioga, Yates
Wisconsin (50 ZIPs)
Dodge, Sauk, Polk
Iowa (46 ZIPs)
Woodbury, Black Hawk, Grundy
North Carolina (41 ZIPs)
Burke, Catawba, Anson, Caldwell, Alexander, Clay
Indiana (37 ZIPs)
Kosciusko, Howard, Franklin, Tipton
Illinois (34 ZIPs)
LaSalle, Piatt
Michigan (34 ZIPs)
Shiawassee, Antrim, Charlevoix, Otsego
Colorado (31 ZIPs)
Las Animas, Logan, Moffat, Rio Grande, Custer, Saguache
Utah (30 ZIPs)
Sevier, San Juan, Uintah
Montana (27 ZIPs)
Sanders, Garfield, Powder River, Daniels, Liberty, Toole
Florida (26 ZIPs)
Putnam, Madison, Union
Idaho (24 ZIPs)
Latah, Cassia, Gooding, Minidoka
Pennsylvania (23 ZIPs)
Union, Columbia
Nebraska (20 ZIPs)
Saunders, Dakota
South Carolina (20 ZIPs)
Chester, Laurens, Lancaster
Arkansas (17 ZIPs)
Garland, Miller, Lafayette
Kentucky (17 ZIPs)
Daviess, McLean
New Mexico (17 ZIPs)
Catron, Chaves, Harding
Tennessee (17 ZIPs)
Bedford, Crockett, Unicoi
Minnesota (14 ZIPs)
Beltrami
Washington (12 ZIPs)
Lincoln, Spokane
North Dakota (11 ZIPs)
Mercer, Golden Valley, Logan
Oklahoma (10 ZIPs)
Payne
Mississippi (9 ZIPs)
Marshall, Lafayette
Georgia (5 ZIPs)
Haralson
Oregon (5 ZIPs)
Morrow
South Dakota (5 ZIPs)
Union
Wyoming (4 ZIPs)
Converse
Kansas (3 ZIPs)
Finney
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.