BAH 2026Military housing area IL088
Champaign/Urbana, IL BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Champaign/Urbana, IL military housing area, with and without dependents, and the 33 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,539a month276th highest of 338
- E‑5 without dependents
- $1,329a month
- O‑3 with dependents
- $2,127a monthtied for 259th highest of 338
- ZIP codes
- 33in this DoD area
Champaign/Urbana, IL pays $1,539 a month for an E‑5 with dependents: the 276th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for IL088. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,467 | $1,230 |
| E‑2 | $1,467 | $1,230 |
| E‑3 | $1,467 | $1,230 |
| E‑4 | $1,467 | $1,230 |
| E‑5 | $1,539 | $1,329 |
| E‑6 | $1,980 | $1,485 |
| E‑7 | $2,034 | $1,527 |
| E‑8 | $2,091 | $1,632 |
| E‑9 | $2,238 | $1,761 |
| Warrant officers | ||
| W‑1 | $2,001 | $1,500 |
| W‑2 | $2,058 | $1,629 |
| W‑3 | $2,130 | $1,776 |
| W‑4 | $2,280 | $1,989 |
| W‑5 | $2,466 | $2,046 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,040 | $1,536 |
| O‑2E | $2,118 | $1,731 |
| O‑3E | $2,310 | $1,974 |
| Officers | ||
| O‑1 | $1,599 | $1,392 |
| O‑2 | $1,977 | $1,530 |
| O‑3 | $2,127 | $1,818 |
| O‑4 | $2,529 | $2,028 |
| O‑5 | $2,820 | $2,115 |
| O‑6 | $2,841 | $2,130 |
| O‑7 | $2,859 | $2,145 |
| O‑8† | $2,859 | $2,145 |
| O‑9† | $2,859 | $2,145 |
| O‑10† | $2,859 | $2,145 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 33 ZIP codes in Champaign/Urbana, IL (IL088). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 60949, one ZIP in this area.
Show all 33 ZIP codesAll 33 ZIP codes
- 609xx
- 60949
- 618xx
- 61801 61802 61803 61815 61816 61820 61821 61822 61824 61825 61826 61840 61843 61845 61847 61849 61851 61852 61853 61859 61862 61863 61864 61866 61871 61872 61873 61874 61875 61877 61878 61880
Other areas in Illinois
Areas whose DoD code starts with IL, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.