County Cost Group ZZ810: 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 ZZ810 covers 366 ZIP codes in 15 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $2,064 a month, about the same as the median housing area ($2,064), ranking 169 of 338 nationally.
For officers, an O-3 with dependents gets $2,622, ranking 156 of 338 (4% above the $2,529 median). Promotion from E-5 to E-7 adds $408 a month in housing allowance here, before any change in base pay.
Dependents add $381 a month for an E-5 (23% over the $1,683 single rate), about the same as 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 | $1,923 | $1,518 | $405 |
| E-2 | $1,923 | $1,518 | $405 |
| E-3 | $1,923 | $1,518 | $405 |
| E-4 | $1,923 | $1,518 | $405 |
| E-5 | $2,064 | $1,683 | $381 |
| E-6 | $2,388 | $1,794 | $594 |
| E-7 | $2,472 | $1,926 | $546 |
| E-8 | $2,565 | $2,133 | $432 |
| E-9 | $2,706 | $2,223 | $483 |
| W-1 | $2,406 | $1,887 | $519 |
| W-2 | $2,511 | $2,130 | $381 |
| W-3 | $2,625 | $2,238 | $387 |
| W-4 | $2,736 | $2,403 | $333 |
| W-5 | $2,874 | $2,493 | $381 |
| O-1E | $2,487 | $2,061 | $426 |
| O-2E | $2,607 | $2,202 | $405 |
| O-3E | $2,757 | $2,379 | $378 |
| O-1 | $2,109 | $1,779 | $330 |
| O-2 | $2,385 | $2,022 | $363 |
| O-3 | $2,622 | $2,268 | $354 |
| O-4 | $2,916 | $2,472 | $444 |
| O-5 | $3,129 | $2,520 | $609 |
| O-6 | $3,153 | $2,604 | $549 |
| O-7 | $3,174 | $2,646 | $528 |
Official DoD rates for MHA ZZ810. 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 230 miles, E-5 with-dependents BAH runs from $1,653 (Cheyenne, WY Area) to $2,841 (Denver, CO Area), a spread of $1,188 a month or $14,256 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Cheyenne, WY Area WY324 | 197 mi | $1,653 | $2,442 |
| Fort Collins, CO Area CO047 | 202 mi | $2,268 | $2,805 |
| Denver, CO Area CO045 | 213 mi | $2,841 | $3,207 |
| Fort Carson (Colorado Springs, CO) CO046 | 223 mi | $2,358 | $2,595 |
| Boulder, CO Area CO422 | 225 mi | $2,754 | $3,711 |
| Lincoln, NE NE193 | 230 mi | $1,788 | $2,280 |
Counties in this cost group
New York (77 ZIPs)
Livingston, Wayne, Ontario, Orleans, Genesee
Montana (76 ZIPs)
Yellowstone, Lake, Carbon, Silver Bow, Jefferson, Teton, Musselshell, Fallon, Meagher, Stillwater
Arizona (43 ZIPs)
Mohave, Gila
California (35 ZIPs)
Plumas, Tehama, Del Norte
Texas (32 ZIPs)
Grayson, Wilson, Bandera, Aransas
Oregon (26 ZIPs)
Tillamook, Curry, Crook
Colorado (22 ZIPs)
Gunnison, Grand, Archuleta
North Carolina (13 ZIPs)
Iredell
Virginia (13 ZIPs)
Culpeper, Rappahannock
Arkansas (8 ZIPs)
Madison
Tennessee (8 ZIPs)
Loudon, Union
Nevada (6 ZIPs)
Mineral, Eureka
Georgia (4 ZIPs)
Morgan
Florida (2 ZIPs)
Gilchrist
Washington (1 ZIPs)
Jefferson
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.