County Cost Group ZZ840: 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 ZZ840 covers 195 ZIP codes in 9 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $2,322 a month, 13% above the median housing area ($2,064), ranking 121 of 338 nationally.
For officers, an O-3 with dependents gets $2,907, ranking 111 of 338 (15% above the $2,529 median). Promotion from E-5 to E-7 adds $423 a month in housing allowance here, before any change in base pay.
Dependents add $426 a month for an E-5 (22% over the $1,896 single rate), more 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 | $2,166 | $1,701 | $465 |
| E-2 | $2,166 | $1,701 | $465 |
| E-3 | $2,166 | $1,701 | $465 |
| E-4 | $2,166 | $1,701 | $465 |
| E-5 | $2,322 | $1,896 | $426 |
| E-6 | $2,655 | $2,022 | $633 |
| E-7 | $2,745 | $2,169 | $576 |
| E-8 | $2,844 | $2,394 | $450 |
| E-9 | $2,997 | $2,487 | $510 |
| W-1 | $2,673 | $2,124 | $549 |
| W-2 | $2,787 | $2,391 | $396 |
| W-3 | $2,910 | $2,499 | $411 |
| W-4 | $3,030 | $2,670 | $360 |
| W-5 | $3,180 | $2,766 | $414 |
| O-1E | $2,760 | $2,319 | $441 |
| O-2E | $2,889 | $2,463 | $426 |
| O-3E | $3,051 | $2,646 | $405 |
| O-1 | $2,367 | $2,007 | $360 |
| O-2 | $2,652 | $2,274 | $378 |
| O-3 | $2,907 | $2,532 | $375 |
| O-4 | $3,225 | $2,745 | $480 |
| O-5 | $3,459 | $2,796 | $663 |
| O-6 | $3,486 | $2,886 | $600 |
| O-7 | $3,510 | $2,937 | $573 |
Official DoD rates for MHA ZZ840. 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 257 miles, E-5 with-dependents BAH runs from $1,653 (Cheyenne, WY Area) to $2,964 (Santa Fe, NM), a spread of $1,311 a month or $15,732 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Fort Carson (Colorado Springs, CO) CO046 | 74 mi | $2,358 | $2,595 |
| Denver, CO Area CO045 | 109 mi | $2,841 | $3,207 |
| Boulder, CO Area CO422 | 138 mi | $2,754 | $3,711 |
| Fort Collins, CO Area CO047 | 145 mi | $2,268 | $2,805 |
| Cheyenne, WY Area WY324 | 186 mi | $1,653 | $2,442 |
| Santa Fe, NM NM210 | 257 mi | $2,964 | $3,711 |
Counties in this cost group
Virginia (49 ZIPs)
Goochland, Dinwiddie, Hanover, Sussex, New Kent, King William, Amelia, Charles City, Powhatan
Utah (33 ZIPs)
Washington, Kane, Grand, Morgan
California (28 ZIPs)
Tuolumne, Lake
Texas (28 ZIPs)
Liberty, Chambers, Kendall, Waller, Bexar
Oregon (15 ZIPs)
Jackson
Idaho (14 ZIPs)
Kootenai
Montana (12 ZIPs)
McCone, Prairie, Treasure, Petroleum, Wibaux
Colorado (8 ZIPs)
Garfield
Washington (8 ZIPs)
Walla Walla
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.