BAH 2026Military housing area IL325
Chicago, IL BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Chicago, IL military housing area, with and without dependents, and the 298 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $3,438a month29th highest of 338
- E‑5 without dependents
- $2,736a month
- O‑3 with dependents
- $3,738a month48th highest of 338
- ZIP codes
- 298in this DoD area
Chicago, IL pays $3,438 a month for an E‑5 with dependents: the 29th 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 IL325. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $3,174 | $2,415 |
| E‑2 | $3,174 | $2,415 |
| E‑3 | $3,174 | $2,415 |
| E‑4 | $3,174 | $2,415 |
| E‑5 | $3,438 | $2,736 |
| E‑6 | $3,702 | $2,937 |
| E‑7 | $3,723 | $3,186 |
| E‑8 | $3,732 | $3,498 |
| E‑9 | $3,771 | $3,567 |
| Warrant officers | ||
| W‑1 | $3,720 | $3,090 |
| W‑2 | $3,729 | $3,495 |
| W‑3 | $3,741 | $3,579 |
| W‑4 | $3,795 | $3,696 |
| W‑5 | $3,900 | $3,708 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,726 | $3,435 |
| O‑2E | $3,735 | $3,552 |
| O‑3E | $3,810 | $3,693 |
| Officers | ||
| O‑1 | $3,477 | $2,907 |
| O‑2 | $3,699 | $3,354 |
| O‑3 | $3,738 | $3,603 |
| O‑4 | $3,927 | $3,699 |
| O‑5 | $4,086 | $3,711 |
| O‑6 | $4,122 | $3,714 |
| O‑7 | $4,152 | $3,756 |
| O‑8† | $4,152 | $3,756 |
| O‑9† | $4,152 | $3,756 |
| O‑10† | $4,152 | $3,756 |
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 298 ZIP codes in Chicago, IL (IL325). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 60004, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 298 ZIP codesAll 298 ZIP codes
- 600xx
- 60004 60005 60006 60007 60008 60009 60010 60016 60017 60018 60019 60022 60025 60026 60029 60038 60043 60053 60055 60056 60062 60065 60067 60068 60070 60074 60076 60077 60078 60082 60089 60090 60091 60093 60094 60095
- 601xx
- 60101 60103 60104 60105 60106 60107 60108 60109 60110 60116 60117 60118 60119 60120 60121 60122 60123 60124 60126 60128 60130 60131 60132 60133 60134 60136 60137 60138 60139 60140 60141 60143 60144 60147 60148 60151 60153 60154 60155 60157 60159 60160 60161 60162 60163 60164 60165 60168 60169 60171 60172 60173 60174 60175 60176 60177 60179 60181 60183 60184 60185 60186 60187 60188 60189 60190 60191 60192 60193 60194 60195 60196 60197 60199
- 602xx
- 60201 60202 60203 60204 60208
- 603xx
- 60301 60302 60303 60304 60305 60399
- 604xx
- 60402 60406 60409 60411 60412 60415 60418 60419 60422 60425 60426 60428 60429 60430 60438 60439 60443 60445 60452 60453 60454 60455 60456 60457 60458 60459 60461 60462 60463 60464 60465 60466 60467 60469 60471 60472 60473 60475 60476 60477 60478 60480 60482 60487 60499
- 605xx
- 60501 60502 60504 60505 60506 60507 60510 60511 60513 60514 60515 60516 60517 60519 60521 60522 60523 60525 60526 60527 60532 60534 60539 60540 60542 60546 60554 60555 60558 60559 60561 60563 60565 60566 60567 60568 60569 60572 60598 60599
- 606xx
- 60601 60602 60603 60604 60605 60606 60607 60608 60609 60610 60611 60612 60613 60614 60615 60616 60617 60618 60619 60620 60621 60622 60623 60624 60625 60626 60628 60629 60630 60631 60632 60633 60634 60636 60637 60638 60639 60640 60641 60642 60643 60644 60645 60646 60647 60649 60651 60652 60653 60654 60655 60656 60657 60659 60660 60661 60664 60666 60668 60669 60670 60673 60674 60675 60677 60678 60680 60681 60682 60684 60685 60686 60687 60688 60689 60690 60691 60693 60694 60695 60696 60697 60699
- 607xx
- 60701 60706 60707 60712 60714
- 608xx
- 60803 60804 60805 60827
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.