County Cost Group ZZ870: 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 ZZ870 covers 238 ZIP codes in 10 states. If your duty ZIP falls in one of the counties below, this is your BAH.
An E-5 with dependents here receives $2,652 a month, 28% above the median housing area ($2,064), ranking 80 of 338 nationally.
For officers, an O-3 with dependents gets $3,270, ranking 75 of 338 (29% above the $2,529 median). Promotion from E-5 to E-7 adds $444 a month in housing allowance here, before any change in base pay.
Dependents add $480 a month for an E-5 (22% over the $2,172 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 | $2,478 | $1,938 | $540 |
| E-2 | $2,478 | $1,938 | $540 |
| E-3 | $2,478 | $1,938 | $540 |
| E-4 | $2,478 | $1,938 | $540 |
| E-5 | $2,652 | $2,172 | $480 |
| E-6 | $2,997 | $2,319 | $678 |
| E-7 | $3,096 | $2,484 | $612 |
| E-8 | $3,204 | $2,727 | $477 |
| E-9 | $3,372 | $2,823 | $549 |
| W-1 | $3,018 | $2,430 | $588 |
| W-2 | $3,141 | $2,724 | $417 |
| W-3 | $3,273 | $2,838 | $435 |
| W-4 | $3,408 | $3,015 | $393 |
| W-5 | $3,573 | $3,120 | $453 |
| O-1E | $3,114 | $2,649 | $465 |
| O-2E | $3,252 | $2,802 | $450 |
| O-3E | $3,432 | $2,991 | $441 |
| O-1 | $2,700 | $2,301 | $399 |
| O-2 | $2,994 | $2,598 | $396 |
| O-3 | $3,270 | $2,871 | $399 |
| O-4 | $3,627 | $3,096 | $531 |
| O-5 | $3,882 | $3,153 | $729 |
| O-6 | $3,915 | $3,252 | $663 |
| O-7 | $3,945 | $3,309 | $636 |
Official DoD rates for MHA ZZ870. 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 112 miles, E-5 with-dependents BAH runs from $1,494 (Terre Haute, IN Area) to $2,652 (this area), a spread of $1,158 a month or $13,896 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Springfield, IL Area IL335 | 5 mi | $1,527 | $2,001 |
| Peoria, IL Area IL090 | 64 mi | $1,572 | $2,040 |
| Champaign, IL Area IL088 | 66 mi | $1,539 | $2,127 |
| East Saint Louis, IL Area IL093 | 92 mi | $1,542 | $2,208 |
| Saint Louis, MO Area MO161 | 94 mi | $2,436 | $2,760 |
| Terre Haute, IN Area IN338 | 112 mi | $1,494 | $2,001 |
Counties in this cost group
New Hampshire (66 ZIPs)
Grafton, Cheshire
Texas (57 ZIPs)
Ellis, Hunt, Kaufman, Bastrop, Caldwell, Rockwall, Henderson
New York (39 ZIPs)
Dutchess
Arizona (26 ZIPs)
Coconino
Washington (18 ZIPs)
Whatcom
New Jersey (17 ZIPs)
Warren
Oregon (10 ZIPs)
Deschutes
Utah (3 ZIPs)
Wasatch
Nevada (1 ZIPs)
Washoe
Vermont (1 ZIPs)
Windsor
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.