BAH 2026Military housing area MO161
St. Louis, MO BAH 2026
DoD’s 2026 housing allowance for every pay grade in the St. Louis, MO military housing area, with and without dependents, and the 149 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,436a monthtied for 98th highest of 338
- E‑5 without dependents
- $1,947a month
- O‑3 with dependents
- $2,760a monthtied for 135th highest of 338
- ZIP codes
- 149in this DoD area
St. Louis, MO pays $2,436 a month for an E‑5 with dependents: the tied for 98th 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 MO161. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,268 | $1,701 |
| E‑2 | $2,268 | $1,701 |
| E‑3 | $2,268 | $1,701 |
| E‑4 | $2,268 | $1,701 |
| E‑5 | $2,436 | $1,947 |
| E‑6 | $2,655 | $2,112 |
| E‑7 | $2,691 | $2,271 |
| E‑8 | $2,733 | $2,487 |
| E‑9 | $2,841 | $2,541 |
| Warrant officers | ||
| W‑1 | $2,673 | $2,220 |
| W‑2 | $2,709 | $2,484 |
| W‑3 | $2,763 | $2,553 |
| W‑4 | $2,871 | $2,655 |
| W‑5 | $3,006 | $2,700 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,694 | $2,433 |
| O‑2E | $2,751 | $2,529 |
| O‑3E | $2,892 | $2,646 |
| Officers | ||
| O‑1 | $2,472 | $2,094 |
| O‑2 | $2,652 | $2,385 |
| O‑3 | $2,760 | $2,571 |
| O‑4 | $3,048 | $2,685 |
| O‑5 | $3,261 | $2,703 |
| O‑6 | $3,285 | $2,739 |
| O‑7 | $3,309 | $2,784 |
| O‑8† | $3,309 | $2,784 |
| O‑9† | $3,309 | $2,784 |
| O‑10† | $3,309 | $2,784 |
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 149 ZIP codes in St. Louis, MO (MO161). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 62001, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 149 ZIP codesAll 149 ZIP codes
- 620xx
- 62001 62002 62010 62018 62021 62024 62025 62026 62034 62035 62040 62046 62048 62058 62060 62061 62062 62067 62074 62084 62087 62090 62095 62097
- 630xx
- 63005 63006 63010 63011 63012 63016 63017 63019 63020 63021 63022 63023 63024 63025 63026 63028 63030 63031 63032 63033 63034 63038 63040 63042 63043 63044 63045 63047 63048 63049 63050 63051 63052 63053 63057 63065 63066 63070 63074 63088 63099
- 631xx
- 63101 63102 63103 63104 63105 63106 63107 63108 63109 63110 63111 63112 63113 63114 63115 63116 63117 63118 63119 63120 63121 63122 63123 63124 63125 63126 63127 63128 63129 63130 63131 63132 63133 63134 63135 63136 63137 63138 63139 63140 63141 63143 63144 63145 63146 63147 63150 63151 63155 63156 63157 63158 63160 63163 63164 63166 63167 63169 63171 63177 63178 63179 63180 63188 63195 63197 63199
- 633xx
- 63301 63302 63303 63304 63332 63338 63341 63346 63348 63365 63366 63367 63368 63373 63376 63385 63386
Other areas in Missouri
Areas whose DoD code starts with MO, 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.