BAH 2026Military housing area ZZ520
County Cost Group 520 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 520 — a rate area DoD’s file builds from 179 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $1,332a month326th highest of 338
- E‑5 without dependents
- $1,077a month
- O‑3 with dependents
- $1,815a month332nd highest of 338
- ZIP codes
- 179in this DoD rate group
County Cost Group 520 pays $1,332 a month for an E‑5 with dependents: the 326th 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 ZZ520. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,233 | $999 |
| E‑2 | $1,233 | $999 |
| E‑3 | $1,233 | $999 |
| E‑4 | $1,233 | $999 |
| E‑5 | $1,332 | $1,077 |
| E‑6 | $1,629 | $1,221 |
| E‑7 | $1,695 | $1,272 |
| E‑8 | $1,770 | $1,398 |
| E‑9 | $1,875 | $1,479 |
| Warrant officers | ||
| W‑1 | $1,647 | $1,236 |
| W‑2 | $1,725 | $1,395 |
| W‑3 | $1,818 | $1,491 |
| W‑4 | $1,899 | $1,638 |
| W‑5 | $2,001 | $1,710 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,707 | $1,329 |
| O‑2E | $1,803 | $1,461 |
| O‑3E | $1,914 | $1,620 |
| Officers | ||
| O‑1 | $1,377 | $1,131 |
| O‑2 | $1,626 | $1,305 |
| O‑3 | $1,815 | $1,518 |
| O‑4 | $2,031 | $1,692 |
| O‑5 | $2,190 | $1,731 |
| O‑6 | $2,205 | $1,794 |
| O‑7 | $2,217 | $1,824 |
| O‑8† | $2,217 | $1,824 |
| O‑9† | $2,217 | $1,824 |
| O‑10† | $2,217 | $1,824 |
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 179 ZIP codes in County Cost Group 520 (ZZ520). DoD’s file names this rate area “County Cost Group 520” and doesn’t say which counties or states it covers; the ZIP codes below are grouped by their first three digits. The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 27551, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 179 ZIP codesAll 179 ZIP codes
- 275xx
- 27551 27563 27570 27586 27589 27594
- 291xx
- 29101
- 295xx
- 29512 29516 29520 29525 29570 29584 29594 29596
- 296xx
- 29646 29647 29648 29649 29653 29666 29692 29695
- 297xx
- 29709 29718 29727 29728 29741
- 298xx
- 29819 29848
- 408xx
- 40803 40816 40826 40827 40840 40844 40858 40862 40868 40874
- 409xx
- 40979
- 410xx
- 41003 41031
- 411xx
- 41128 41132 41142 41143 41146 41164 41173 41181
- 413xx
- 41310 41311 41317 41339 41347 41348 41366 41368 41385 41390 41397
- 415xx
- 41517 41537
- 417xx
- 41714 41749 41762 41764 41766 41775 41776 41777
- 418xx
- 41804 41810 41812 41815 41819 41821 41824 41825 41826 41832 41833 41835 41837 41838 41840 41845 41848 41849 41855 41858
- 427xx
- 42718 42719 42733 42758
- 500xx
- 50058
- 504xx
- 50435 50458 50468 50471
- 506xx
- 50616 50620 50653
- 514xx
- 51401 51430 51436 51440 51443 51444 51451 51452 51455 51459 51463
- 614xx
- 61401 61402 61410 61414 61428 61430 61436 61439 61448 61458 61467 61472 61474 61485 61488 61489
- 615xx
- 61572
- 620xx
- 62086
- 622xx
- 62246 62262 62273 62275 62284
- 624xx
- 62432 62448 62459 62475 62479 62480 62481
- 668xx
- 66843 66845 66850 66862 66869
- 677xx
- 67733 67735 67741
- 710xx
- 71001 71008 71016 71028 71045 71068 71070 71080
- 730xx
- 73001 73005 73006 73009 73015 73017 73029 73033 73038 73042 73047 73048 73053
- 744xx
- 74457
- 749xx
- 74931 74960 74964 74965
Other county cost groups
The county cost groups next to this one in DoD’s list (5 of 39), 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.