BAH 2026Military housing area OH228
Cincinnati, OH BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Cincinnati, OH military housing area, with and without dependents, and the 100 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,283a monthtied for 126th highest of 338
- E‑5 without dependents
- $1,713a month
- O‑3 with dependents
- $2,604a month158th highest of 338
- ZIP codes
- 100in this DoD area
Cincinnati, OH pays $2,283 a month for an E‑5 with dependents: the tied for 126th 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 OH228. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,031 | $1,524 |
| E‑2 | $2,031 | $1,524 |
| E‑3 | $2,031 | $1,524 |
| E‑4 | $2,031 | $1,524 |
| E‑5 | $2,283 | $1,713 |
| E‑6 | $2,526 | $1,893 |
| E‑7 | $2,553 | $2,040 |
| E‑8 | $2,583 | $2,337 |
| E‑9 | $2,676 | $2,400 |
| Warrant officers | ||
| W‑1 | $2,544 | $1,953 |
| W‑2 | $2,565 | $2,334 |
| W‑3 | $2,607 | $2,412 |
| W‑4 | $2,703 | $2,523 |
| W‑5 | $2,829 | $2,559 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,556 | $2,280 |
| O‑2E | $2,595 | $2,385 |
| O‑3E | $2,724 | $2,517 |
| Officers | ||
| O‑1 | $2,322 | $1,776 |
| O‑2 | $2,523 | $2,202 |
| O‑3 | $2,604 | $2,433 |
| O‑4 | $2,868 | $2,544 |
| O‑5 | $3,060 | $2,562 |
| O‑6 | $3,084 | $2,583 |
| O‑7 | $3,105 | $2,625 |
| O‑8† | $3,105 | $2,625 |
| O‑9† | $3,105 | $2,625 |
| O‑10† | $3,105 | $2,625 |
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 100 ZIP codes in Cincinnati, OH (OH228). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 45001, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 100 ZIP codesAll 100 ZIP codes
- 450xx
- 45001 45002 45003 45004 45011 45012 45013 45014 45015 45018 45030 45033 45041 45042 45044 45050 45051 45052 45053 45055 45056 45061 45062 45063 45064 45067 45069 45071
- 451xx
- 45111 45174
- 452xx
- 45201 45202 45203 45204 45205 45206 45207 45208 45209 45211 45212 45213 45214 45215 45216 45217 45218 45219 45220 45221 45222 45223 45224 45225 45226 45227 45229 45230 45231 45232 45233 45234 45235 45236 45237 45238 45239 45240 45241 45242 45243 45244 45246 45247 45248 45249 45250 45251 45252 45253 45254 45255 45258 45262 45263 45264 45267 45268 45269 45270 45271 45273 45274 45275 45277 45280 45296 45298 45299
- 459xx
- 45999
Other areas in Ohio
Areas whose DoD code starts with OH, 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.