BAH 2026Military housing area ZZ540
County Cost Group 540 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 540 — a rate area DoD’s file builds from 366 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $1,344a month323rd highest of 338
- E‑5 without dependents
- $1,086a month
- O‑3 with dependents
- $1,827a month329th highest of 338
- ZIP codes
- 366in this DoD rate group
County Cost Group 540 pays $1,344 a month for an E‑5 with dependents: the 323rd 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 ZZ540. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,242 | $1,005 |
| E‑2 | $1,242 | $1,005 |
| E‑3 | $1,242 | $1,005 |
| E‑4 | $1,242 | $1,005 |
| E‑5 | $1,344 | $1,086 |
| E‑6 | $1,641 | $1,230 |
| E‑7 | $1,707 | $1,281 |
| E‑8 | $1,782 | $1,407 |
| E‑9 | $1,890 | $1,488 |
| Warrant officers | ||
| W‑1 | $1,659 | $1,245 |
| W‑2 | $1,737 | $1,404 |
| W‑3 | $1,830 | $1,503 |
| W‑4 | $1,911 | $1,650 |
| W‑5 | $2,016 | $1,722 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,719 | $1,341 |
| O‑2E | $1,815 | $1,470 |
| O‑3E | $1,926 | $1,632 |
| Officers | ||
| O‑1 | $1,386 | $1,140 |
| O‑2 | $1,638 | $1,314 |
| O‑3 | $1,827 | $1,530 |
| O‑4 | $2,046 | $1,704 |
| O‑5 | $2,205 | $1,740 |
| O‑6 | $2,220 | $1,806 |
| O‑7 | $2,232 | $1,836 |
| O‑8† | $2,232 | $1,836 |
| O‑9† | $2,232 | $1,836 |
| O‑10† | $2,232 | $1,836 |
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 366 ZIP codes in County Cost Group 540 (ZZ540). DoD’s file names this rate area “County Cost Group 540” 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 24701, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 366 ZIP codesAll 366 ZIP codes
- 247xx
- 24701 24712 24714 24715 24724 24729 24731 24732 24733 24736 24737 24738 24739 24740 24747 24751
- 249xx
- 24910 24918 24941 24945 24951 24963 24974 24976 24983 24984 24985 24993
- 252xx
- 25267
- 258xx
- 25820 25841
- 259xx
- 25922 25971
- 263xx
- 26342 26351 26384
- 264xx
- 26430 26443
- 266xx
- 26611 26636 26638
- 278xx
- 27818 27855
- 279xx
- 27910 27922 27942 27986
- 287xx
- 28737 28749 28752 28761 28762
- 290xx
- 29056
- 293xx
- 29340 29341 29342
- 295xx
- 29518 29556 29564 29580 29590
- 296xx
- 29620 29628 29638 29639
- 297xx
- 29702
- 371xx
- 37110 37111
- 373xx
- 37357 37378 37394
- 380xx
- 38077 38079 38080
- 382xx
- 38222 38223 38224 38231 38236 38242 38251 38256
- 385xx
- 38550 38581
- 386xx
- 38606 38614 38617 38619 38620 38621 38622 38623 38631 38639 38643 38644 38645 38646 38658 38665 38666
- 387xx
- 38739 38767
- 389xx
- 38964
- 390xx
- 39051 39074 39080 39087 39092 39094 39098
- 391xx
- 39109 39117 39152 39171 39189
- 393xx
- 39359
- 403xx
- 40311 40350
- 404xx
- 40410 40444 40461
- 409xx
- 40981
- 413xx
- 41367
- 417xx
- 41701 41702 41712 41713 41719 41721 41722 41723 41727 41729 41731 41735 41736 41739 41745 41746 41751 41754 41760 41763 41773 41774 41778
- 420xx
- 42025 42029 42044 42048
- 422xx
- 42204 42216 42220 42234 42280 42286
- 461xx
- 46104 46115 46127 46146 46148 46150 46155 46156 46173
- 469xx
- 46910 46912 46922 46931 46935 46939 46945 46975
- 473xx
- 47337 47344 47351 47352 47356 47360 47361 47362 47366 47384 47385 47386 47387 47388
- 475xx
- 47553 47581
- 500xx
- 50008 50052 50060
- 501xx
- 50123 50147 50149 50165
- 502xx
- 50254
- 508xx
- 50801 50830 50831 50842 50861
- 512xx
- 51232 51249
- 513xx
- 51345 51350 51354
- 521xx
- 52101 52132 52133 52144 52149 52161 52165 52168
- 522xx
- 52205 52212 52252
- 523xx
- 52305 52310 52312 52320 52321 52323 52362
- 525xx
- 52583 52590
- 572xx
- 57217 57225 57236 57258 57271 57278
- 573xx
- 57322
- 582xx
- 58210 58227 58229 58231 58233 58237 58243 58250 58261 58270 58273
- 610xx
- 61037 61071 61081
- 612xx
- 61230 61243 61250 61251 61252 61261 61270 61277 61283
- 624xx
- 62434
- 628xx
- 62824 62839 62858 62879 62899
- 629xx
- 62901 62902 62903 62907 62916 62924 62927 62932 62940 62942 62950 62958 62966 62975 62994
- 639xx
- 63931 63935 63939 63942 63953 63955
- 667xx
- 66761 66777 66783
- 674xx
- 67420 67422 67430 67436 67446 67452 67467 67478 67484 67485
- 678xx
- 67871 67880
- 683xx
- 68303 68315 68322 68325 68326 68327 68335 68337 68340 68355 68362 68370 68375 68376
- 684xx
- 68429 68431 68433 68437 68442 68457
- 686xx
- 68638 68640 68651 68654 68662 68666
- 688xx
- 68815 68837 68859 68862
- 690xx
- 69001 69020 69026 69034 69036
- 691xx
- 69147 69148 69154 69163
- 712xx
- 71218 71232 71259 71269 71279
- 743xx
- 74331 74335 74339 74343 74354 74355 74358 74360 74363 74370
- 744xx
- 74440 74462 74472
- 745xx
- 74525 74533 74540 74552 74555 74569
- 749xx
- 74941 74943 74944
Other county cost groups
The county cost groups next to this one in DoD’s list (7 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.