County Cost Group ZZ800: 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 ZZ800 covers 585 ZIP codes in 23 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $1,962 a month, 5% below the median housing area ($2,064), ranking 186 of 338 nationally.
For officers, an O-3 with dependents gets $2,508, ranking 176 of 338 (right at the $2,529 median). Promotion from E-5 to E-7 adds $402 a month in housing allowance here, before any change in base pay.
Dependents add $363 a month for an E-5 (23% over the $1,599 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 | $1,827 | $1,446 | $381 |
| E-2 | $1,827 | $1,446 | $381 |
| E-3 | $1,827 | $1,446 | $381 |
| E-4 | $1,827 | $1,446 | $381 |
| E-5 | $1,962 | $1,599 | $363 |
| E-6 | $2,283 | $1,710 | $573 |
| E-7 | $2,364 | $1,830 | $534 |
| E-8 | $2,454 | $2,031 | $423 |
| E-9 | $2,589 | $2,121 | $468 |
| W-1 | $2,301 | $1,791 | $510 |
| W-2 | $2,400 | $2,028 | $372 |
| W-3 | $2,511 | $2,133 | $378 |
| W-4 | $2,619 | $2,295 | $324 |
| W-5 | $2,751 | $2,382 | $369 |
| O-1E | $2,379 | $1,959 | $420 |
| O-2E | $2,493 | $2,100 | $393 |
| O-3E | $2,640 | $2,274 | $366 |
| O-1 | $2,007 | $1,689 | $318 |
| O-2 | $2,280 | $1,920 | $360 |
| O-3 | $2,508 | $2,163 | $345 |
| O-4 | $2,793 | $2,361 | $432 |
| O-5 | $2,997 | $2,409 | $588 |
| O-6 | $3,021 | $2,490 | $531 |
| O-7 | $3,039 | $2,532 | $507 |
Official DoD rates for MHA ZZ800. 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 102 miles, E-5 with-dependents BAH runs from $1,494 (Terre Haute, IN Area) to $1,962 (this area), a spread of $468 a month or $5,616 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Champaign, IL Area IL088 | 26 mi | $1,539 | $2,127 |
| Terre Haute, IN Area IN338 | 67 mi | $1,494 | $2,001 |
| Springfield, IL Area IL335 | 96 mi | $1,527 | $2,001 |
| Indianapolis, IN Area IN094 | 97 mi | $1,875 | $2,307 |
| Peoria, IL Area IL090 | 98 mi | $1,572 | $2,040 |
| Bloomington, IN Area IN399 | 102 mi | $1,905 | $2,469 |
Counties in this cost group
Vermont (83 ZIPs)
Windsor, Addison, Bennington, Lamoille
New York (68 ZIPs)
Greene, Columbia
Ohio (61 ZIPs)
Clermont, Warren, Delaware, Morrow, Pickaway, Madison, Franklin
Texas (51 ZIPs)
Smith, Victoria, Hood, Gillespie, Goliad, Irion, Andrews
Kentucky (43 ZIPs)
Kenton, Campbell, Boone, Bracken, Gallatin, Pendleton
Idaho (35 ZIPs)
Bonneville, Twin Falls, Jefferson, Teton, Butte
Virginia (34 ZIPs)
Rockingham, Rappahannock, Warren, City of Harrisonburg
Missouri (33 ZIPs)
Lafayette, Caldwell, Ray, Clinton
Maine (32 ZIPs)
Oxford
California (22 ZIPs)
Lassen, Glenn
Iowa (18 ZIPs)
Harrison, Mills
Indiana (17 ZIPs)
Bartholomew, Dearborn, Ohio
Oregon (17 ZIPs)
Josephine, Sherman
Illinois (14 ZIPs)
DeKalb
Kansas (12 ZIPs)
Linn, Miami
Georgia (9 ZIPs)
Walker, Dade
North Dakota (7 ZIPs)
McKenzie
Nevada (7 ZIPs)
White Pine
Tennessee (7 ZIPs)
Marion, Sequatchie
Nebraska (6 ZIPs)
Washington
Colorado (4 ZIPs)
Lake, Mineral
Pennsylvania (3 ZIPs)
Montour
Montana (2 ZIPs)
Golden Valley
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.