BAH 2026Military housing area MO165
Columbia/Jefferson City, MO BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Columbia/Jefferson City, MO military housing area, with and without dependents, and the 45 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,377a monthtied for 314th highest of 338
- E‑5 without dependents
- $1,161a month
- O‑3 with dependents
- $2,118a month263rd highest of 338
- ZIP codes
- 45in this DoD area
Columbia/Jefferson City, MO pays $1,377 a month for an E‑5 with dependents: the tied for 314th 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 MO165. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,284 | $1,134 |
| E‑2 | $1,284 | $1,134 |
| E‑3 | $1,284 | $1,134 |
| E‑4 | $1,284 | $1,134 |
| E‑5 | $1,377 | $1,161 |
| E‑6 | $1,623 | $1,215 |
| E‑7 | $1,803 | $1,353 |
| E‑8 | $2,001 | $1,500 |
| E‑9 | $2,199 | $1,650 |
| Warrant officers | ||
| W‑1 | $1,644 | $1,266 |
| W‑2 | $1,884 | $1,428 |
| W‑3 | $2,127 | $1,653 |
| W‑4 | $2,226 | $1,689 |
| W‑5 | $2,352 | $1,848 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,839 | $1,380 |
| O‑2E | $2,091 | $1,569 |
| O‑3E | $2,247 | $1,686 |
| Officers | ||
| O‑1 | $1,413 | $1,191 |
| O‑2 | $1,620 | $1,356 |
| O‑3 | $2,118 | $1,656 |
| O‑4 | $2,391 | $1,812 |
| O‑5 | $2,583 | $1,938 |
| O‑6 | $2,604 | $2,106 |
| O‑7 | $2,619 | $2,139 |
| O‑8† | $2,619 | $2,139 |
| O‑9† | $2,619 | $2,139 |
| O‑10† | $2,619 | $2,139 |
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 45 ZIP codes in Columbia/Jefferson City, MO (MO165). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 63388, one ZIP in this area.
Show all 45 ZIP codesAll 45 ZIP codes
- 633xx
- 63388
- 650xx
- 65010 65023 65032 65039 65040 65043 65053 65059 65063 65067 65074 65076 65077 65080
- 651xx
- 65101 65102 65103 65104 65105 65106 65107 65108 65109 65110 65111
- 652xx
- 65201 65202 65203 65205 65211 65212 65215 65216 65217 65218 65231 65240 65251 65255 65256 65262 65279 65284 65299
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.