BAH 2026Military housing area MO164
Springfield, MO BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Springfield, MO military housing area, with and without dependents, and the 38 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,389a month312th highest of 338
- E‑5 without dependents
- $1,167a month
- O‑3 with dependents
- $1,998a monthtied for 288th highest of 338
- ZIP codes
- 38in this DoD area
Springfield, MO pays $1,389 a month for an E‑5 with dependents: the 312th 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 MO164. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,293 | $1,146 |
| E‑2 | $1,293 | $1,146 |
| E‑3 | $1,293 | $1,146 |
| E‑4 | $1,293 | $1,146 |
| E‑5 | $1,389 | $1,167 |
| E‑6 | $1,857 | $1,392 |
| E‑7 | $1,908 | $1,431 |
| E‑8 | $1,962 | $1,488 |
| E‑9 | $2,103 | $1,623 |
| Warrant officers | ||
| W‑1 | $1,878 | $1,410 |
| W‑2 | $1,932 | $1,485 |
| W‑3 | $2,001 | $1,641 |
| W‑4 | $2,142 | $1,863 |
| W‑5 | $2,319 | $1,920 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,914 | $1,437 |
| O‑2E | $1,989 | $1,593 |
| O‑3E | $2,169 | $1,851 |
| Officers | ||
| O‑1 | $1,452 | $1,194 |
| O‑2 | $1,851 | $1,434 |
| O‑3 | $1,998 | $1,686 |
| O‑4 | $2,376 | $1,902 |
| O‑5 | $2,649 | $1,986 |
| O‑6 | $2,670 | $2,004 |
| O‑7 | $2,685 | $2,013 |
| O‑8† | $2,685 | $2,013 |
| O‑9† | $2,685 | $2,013 |
| O‑10† | $2,685 | $2,013 |
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 38 ZIP codes in Springfield, MO (MO164). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 65604, one ZIP in this area.
Show all 38 ZIP codesAll 38 ZIP codes
- 656xx
- 65604 65610 65612 65619 65620 65629 65630 65631 65648 65657 65669
- 657xx
- 65714 65720 65721 65725 65738 65753 65754 65757 65765 65770 65781
- 658xx
- 65801 65802 65803 65804 65805 65806 65807 65808 65809 65810 65814 65817 65890 65897 65898 65899
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.