County Cost Group ZZ780: 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 ZZ780 covers 860 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 $1,815 a month, 12% below the median housing area ($2,064), ranking 218 of 338 nationally.
For officers, an O-3 with dependents gets $2,346, ranking 214 of 338 (7% below the $2,529 median). Promotion from E-5 to E-7 adds $393 a month in housing allowance here, before any change in base pay.
Dependents add $339 a month for an E-5 (23% over the $1,476 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 | $1,689 | $1,341 | $348 |
| E-2 | $1,689 | $1,341 | $348 |
| E-3 | $1,689 | $1,341 | $348 |
| E-4 | $1,689 | $1,341 | $348 |
| E-5 | $1,815 | $1,476 | $339 |
| E-6 | $2,130 | $1,596 | $534 |
| E-7 | $2,208 | $1,692 | $516 |
| E-8 | $2,292 | $1,884 | $408 |
| E-9 | $2,424 | $1,971 | $453 |
| W-1 | $2,148 | $1,656 | $492 |
| W-2 | $2,244 | $1,881 | $363 |
| W-3 | $2,349 | $1,983 | $366 |
| W-4 | $2,451 | $2,142 | $309 |
| W-5 | $2,577 | $2,226 | $351 |
| O-1E | $2,220 | $1,812 | $408 |
| O-2E | $2,331 | $1,950 | $381 |
| O-3E | $2,469 | $2,121 | $348 |
| O-1 | $1,860 | $1,560 | $300 |
| O-2 | $2,127 | $1,776 | $351 |
| O-3 | $2,346 | $2,013 | $333 |
| O-4 | $2,613 | $2,205 | $408 |
| O-5 | $2,808 | $2,250 | $558 |
| O-6 | $2,829 | $2,328 | $501 |
| O-7 | $2,847 | $2,367 | $480 |
Official DoD rates for MHA ZZ780. 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 136 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 |
|---|---|---|---|
| Jefferson City, MO Area MO165 | 96 mi | $1,377 | $2,118 |
| Davenport, IA Area IL089 | 117 mi | $1,908 | $2,298 |
| Peoria, IL Area IL090 | 119 mi | $1,572 | $2,040 |
| Springfield, IL Area IL335 | 123 mi | $1,527 | $2,001 |
| Saint Louis, MO Area MO161 | 127 mi | $2,436 | $2,760 |
| Sedalia, MO Area MO162 | 136 mi | $1,611 | $2,244 |
Counties in this cost group
Washington (80 ZIPs)
Lewis, Whitman, Grays Harbor, Klickitat
Maine (70 ZIPs)
Aroostook, Somerset
Pennsylvania (69 ZIPs)
Fayette, Wyoming
Indiana (64 ZIPs)
Lake, Harrison, Porter, Newton
Montana (48 ZIPs)
Rosebud, Sheridan, Hill, Lincoln, Toole, Pondera, Roosevelt
Wisconsin (48 ZIPs)
Outagamie, Washington, Calumet, Ozaukee
Virginia (40 ZIPs)
Middlesex, King and Queen, Westmoreland, Northumberland
North Carolina (38 ZIPs)
Rowan, Stokes, Pender, Yadkin, Davie
Texas (37 ZIPs)
Wise, Robertson, Burleson, Erath, Washington, Crosby
Colorado (32 ZIPs)
Pueblo, Montrose, Crowley
Illinois (32 ZIPs)
McLean
Florida (31 ZIPs)
Highlands, Columbia, DeSoto, Hendry, Okeechobee, Lafayette
Arizona (29 ZIPs)
Navajo
Georgia (25 ZIPs)
Burke, McIntosh, Brantley, Crawford, McDuffie, Twiggs, Jones
Idaho (22 ZIPs)
Bannock, Valley, Jerome, Latah
Maryland (22 ZIPs)
Washington
Kentucky (20 ZIPs)
Henry, Bullitt, Spencer
Minnesota (17 ZIPs)
Blue Earth, Nicollet
Tennessee (17 ZIPs)
Madison, Chester
New Hampshire (16 ZIPs)
Coos
Alabama (15 ZIPs)
Bibb, Blount
Oklahoma (15 ZIPs)
Logan, McClain
Ohio (14 ZIPs)
Miami
New Mexico (13 ZIPs)
Lea
South Carolina (13 ZIPs)
Fairfield, Edgefield, Saluda, Calhoun
Kansas (8 ZIPs)
Douglas
California (7 ZIPs)
Colusa
Oregon (6 ZIPs)
Jefferson, Deschutes
South Dakota (5 ZIPs)
Custer
Wyoming (4 ZIPs)
Niobrara
Nevada (2 ZIPs)
Lander
North Dakota (1 ZIPs)
Oliver
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.