County Cost Group ZZ790: 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 ZZ790 covers 791 ZIP codes in 27 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,890 a month, 8% below the median housing area ($2,064), ranking 200 of 338 nationally.
For officers, an O-3 with dependents gets $2,433, ranking 194 of 338 (4% below the $2,529 median). Promotion from E-5 to E-7 adds $399 a month in housing allowance here, before any change in base pay.
Dependents add $348 a month for an E-5 (23% over the $1,542 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 | $1,761 | $1,395 | $366 |
| E-2 | $1,761 | $1,395 | $366 |
| E-3 | $1,761 | $1,395 | $366 |
| E-4 | $1,761 | $1,395 | $366 |
| E-5 | $1,890 | $1,542 | $348 |
| E-6 | $2,208 | $1,656 | $552 |
| E-7 | $2,289 | $1,764 | $525 |
| E-8 | $2,376 | $1,959 | $417 |
| E-9 | $2,511 | $2,049 | $462 |
| W-1 | $2,229 | $1,728 | $501 |
| W-2 | $2,325 | $1,956 | $369 |
| W-3 | $2,436 | $2,061 | $375 |
| W-4 | $2,538 | $2,223 | $315 |
| W-5 | $2,667 | $2,307 | $360 |
| O-1E | $2,304 | $1,887 | $417 |
| O-2E | $2,418 | $2,028 | $390 |
| O-3E | $2,559 | $2,202 | $357 |
| O-1 | $1,938 | $1,626 | $312 |
| O-2 | $2,205 | $1,851 | $354 |
| O-3 | $2,433 | $2,091 | $342 |
| O-4 | $2,706 | $2,286 | $420 |
| O-5 | $2,907 | $2,334 | $573 |
| O-6 | $2,928 | $2,412 | $516 |
| O-7 | $2,949 | $2,451 | $498 |
Official DoD rates for MHA ZZ790. 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 149 miles, E-5 with-dependents BAH runs from $1,527 (Springfield, IL Area) to $3,438 (Chicago, IL Area), a spread of $1,911 a month or $22,932 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Peoria, IL Area IL090 | 29 mi | $1,572 | $2,040 |
| Davenport, IA Area IL089 | 49 mi | $1,908 | $2,298 |
| Springfield, IL Area IL335 | 86 mi | $1,527 | $2,001 |
| Champaign, IL Area IL088 | 113 mi | $1,539 | $2,127 |
| Chicago, IL Area IL325 | 130 mi | $3,438 | $3,738 |
| Kenosha, WI Area IL092 | 149 mi | $2,427 | $3,018 |
Counties in this cost group
New York (135 ZIPs)
Sullivan, Madison, Warren, Washington, Hamilton, Otsego, Rensselaer
Vermont (86 ZIPs)
Rutland, Windham, Orange
Virginia (56 ZIPs)
Augusta, Botetourt, Montgomery, Orange, Louisa, Craig, Staunton (city), Waynesboro (city)
Iowa (45 ZIPs)
Dallas, Warren, Guthrie, Madison
Michigan (44 ZIPs)
St. Clair, Lapeer, Barry
Oregon (38 ZIPs)
Klamath, Umatilla, Union
Montana (35 ZIPs)
Big Horn, Chouteau, Stillwater, Mineral, Richland
Maine (32 ZIPs)
Franklin, Piscataquis
Georgia (26 ZIPs)
Clarke, Madison, Oglethorpe, Oconee, Morgan
Idaho (26 ZIPs)
Bonner, Franklin, Nez Perce
Utah (25 ZIPs)
Cache, Tooele
North Carolina (24 ZIPs)
Alamance, Randolph
California (22 ZIPs)
Siskiyou
New Mexico (21 ZIPs)
Taos
Colorado (19 ZIPs)
Mesa
Nevada (19 ZIPs)
Nye, Humboldt
Washington (19 ZIPs)
Grant, Asotin
Tennessee (18 ZIPs)
Fayette, Maury
Illinois (16 ZIPs)
Kankakee
Kentucky (16 ZIPs)
Bourbon, Jessamine, Scott, Woodford, Clark
Louisiana (16 ZIPs)
St. Charles, St. John the Baptist
Florida (14 ZIPs)
Gadsden, Jefferson, Hardee
Arkansas (10 ZIPs)
Crittenden
Arizona (9 ZIPs)
Graham
Mississippi (9 ZIPs)
DeSoto
Ohio (9 ZIPs)
Union
Kansas (2 ZIPs)
Kearny
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.