County Cost Group ZZ770: 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 ZZ770 covers 901 ZIP codes in 32 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,752 a month, 15% below the median housing area ($2,064), ranking 233 of 338 nationally.
For officers, an O-3 with dependents gets $2,280, ranking 225 of 338 (10% below the $2,529 median). Promotion from E-5 to E-7 adds $390 a month in housing allowance here, before any change in base pay.
Dependents add $327 a month for an E-5 (23% over the $1,425 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 | $1,632 | $1,296 | $336 |
| E-2 | $1,632 | $1,296 | $336 |
| E-3 | $1,632 | $1,296 | $336 |
| E-4 | $1,632 | $1,296 | $336 |
| E-5 | $1,752 | $1,425 | $327 |
| E-6 | $2,067 | $1,548 | $519 |
| E-7 | $2,142 | $1,632 | $510 |
| E-8 | $2,226 | $1,821 | $405 |
| E-9 | $2,352 | $1,908 | $444 |
| W-1 | $2,085 | $1,599 | $486 |
| W-2 | $2,178 | $1,818 | $360 |
| W-3 | $2,283 | $1,920 | $363 |
| W-4 | $2,379 | $2,079 | $300 |
| W-5 | $2,502 | $2,160 | $342 |
| O-1E | $2,157 | $1,749 | $408 |
| O-2E | $2,265 | $1,887 | $378 |
| O-3E | $2,400 | $2,058 | $342 |
| O-1 | $1,797 | $1,506 | $291 |
| O-2 | $2,064 | $1,716 | $348 |
| O-3 | $2,280 | $1,950 | $330 |
| O-4 | $2,541 | $2,139 | $402 |
| O-5 | $2,730 | $2,184 | $546 |
| O-6 | $2,751 | $2,259 | $492 |
| O-7 | $2,769 | $2,298 | $471 |
Official DoD rates for MHA ZZ770. 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 131 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 |
|---|---|---|---|
| Fort Leavenworth (Leavenworth, KS) KS102 | 55 mi | $1,815 | $2,394 |
| Overland Park, KS Area MO160 | 61 mi | $1,986 | $2,310 |
| Sedalia, MO Area MO162 | 79 mi | $1,611 | $2,244 |
| Topeka, KS KS105 | 105 mi | $1,626 | $2,064 |
| Jefferson City, MO Area MO165 | 120 mi | $1,377 | $2,118 |
| Des Moines, IA IA082 | 131 mi | $1,770 | $2,433 |
Counties in this cost group
Texas (81 ZIPs)
Gregg, Matagorda, Walker, Cooke, Karnes, Upshur, Ward, Blanco, Burnet, San Jacinto, Dallam
Minnesota (61 ZIPs)
Stearns, Rice, Houston, Lake, Benton, Le Sueur, Morrison
Wisconsin (57 ZIPs)
Rock, Walworth, Columbia, Iowa
Indiana (51 ZIPs)
St. Joseph, Tippecanoe, Benton
Vermont (45 ZIPs)
Orleans, Caledonia
Illinois (41 ZIPs)
Clinton, Calhoun, Jersey, Monroe, Menard
Michigan (41 ZIPs)
Allegan, Ionia, Clinton, Ingham
Arizona (37 ZIPs)
Apache, La Paz
Missouri (37 ZIPs)
Franklin, Lincoln, Warren, Jefferson
Montana (36 ZIPs)
Valley, Powell, Carter, Judith Basin, Dawson, Glacier
New York (36 ZIPs)
Chemung, Cortland, Seneca
Utah (35 ZIPs)
Box Elder, Iron, Piute, Daggett
Iowa (32 ZIPs)
Story, Johnson
Colorado (28 ZIPs)
Fremont, Montezuma, Morgan, San Juan
Louisiana (27 ZIPs)
Pointe Coupee, East Feliciana, West Feliciana, St. Helena
Washington (25 ZIPs)
Stevens, Adams, Wahkiakum
Oklahoma (24 ZIPs)
Creek, Osage
Oregon (24 ZIPs)
Grant, Lake, Wallowa
Pennsylvania (23 ZIPs)
Lycoming, Union
North Carolina (20 ZIPs)
Watauga, Haywood, Granville
Arkansas (18 ZIPs)
Saline, Perry, Pulaski, Hot Spring
Georgia (18 ZIPs)
Jackson, Worth, Terrell, Calhoun, Echols, Webster
Tennessee (17 ZIPs)
Polk, Bradley
Virginia (16 ZIPs)
Bedford, Appomattox
South Dakota (13 ZIPs)
Turner, McCook
California (12 ZIPs)
Trinity
North Dakota (12 ZIPs)
Williams
Mississippi (11 ZIPs)
Lafayette, Copiah
New Mexico (10 ZIPs)
Eddy
Nebraska (7 ZIPs)
Hall
Idaho (4 ZIPs)
Gem
Florida (2 ZIPs)
Glades
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.