BAH 2026Military housing area ZZ640
County Cost Group 640 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 640 — a rate area DoD’s file builds from 509 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $1,434a month301st highest of 338
- E‑5 without dependents
- $1,161a month
- O‑3 with dependents
- $1,926a month309th highest of 338
- ZIP codes
- 509in this DoD rate group
County Cost Group 640 pays $1,434 a month for an E‑5 with dependents: the 301st 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 ZZ640. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,329 | $1,071 |
| E‑2 | $1,329 | $1,071 |
| E‑3 | $1,329 | $1,071 |
| E‑4 | $1,329 | $1,071 |
| E‑5 | $1,434 | $1,161 |
| E‑6 | $1,734 | $1,299 |
| E‑7 | $1,803 | $1,353 |
| E‑8 | $1,878 | $1,500 |
| E‑9 | $1,992 | $1,581 |
| Warrant officers | ||
| W‑1 | $1,752 | $1,314 |
| W‑2 | $1,833 | $1,497 |
| W‑3 | $1,929 | $1,593 |
| W‑4 | $2,013 | $1,746 |
| W‑5 | $2,124 | $1,821 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,815 | $1,431 |
| O‑2E | $1,914 | $1,563 |
| O‑3E | $2,031 | $1,725 |
| Officers | ||
| O‑1 | $1,476 | $1,221 |
| O‑2 | $1,731 | $1,404 |
| O‑3 | $1,926 | $1,623 |
| O‑4 | $2,154 | $1,800 |
| O‑5 | $2,319 | $1,839 |
| O‑6 | $2,337 | $1,908 |
| O‑7 | $2,349 | $1,938 |
| O‑8† | $2,349 | $1,938 |
| O‑9† | $2,349 | $1,938 |
| O‑10† | $2,349 | $1,938 |
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 509 ZIP codes in County Cost Group 640 (ZZ640). DoD’s file names this rate area “County Cost Group 640” 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 14029, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 509 ZIP codesAll 509 ZIP codes
- 140xx
- 14029 14041 14042 14060 14065 14070
- 141xx
- 14101 14129 14133 14138 14168 14171 14173
- 147xx
- 14706 14707 14708 14709 14711 14714 14715 14717 14719 14721 14726 14727 14729 14730 14731 14735 14737 14739 14741 14743 14744 14745 14748 14751 14753 14754 14755 14760 14766 14770 14772 14774 14777 14778 14779 14783 14786 14788
- 148xx
- 14802 14803 14804 14806 14813 14822 14880 14884 14895 14897
- 170xx
- 17014 17021 17035 17049 17056 17058 17059 17076 17082 17086 17094
- 243xx
- 24317 24325 24328 24333 24343 24351 24352 24381
- 250xx
- 25007 25008 25044 25048 25060 25062
- 251xx
- 25140 25174 25180
- 255xx
- 25507 25511 25512 25514 25517 25530 25534 25535 25555 25562 25570
- 256xx
- 25669 25699
- 257xx
- 25704
- 258xx
- 25801 25802 25813 25817 25818 25823 25825 25827 25832 25836 25839 25843 25844 25849 25851 25853 25857 25860 25865 25871 25873 25878
- 259xx
- 25902 25906 25908 25909 25911 25915 25918 25919 25920 25921 25927 25932 25989
- 283xx
- 28330 28338 28345 28347 28363 28367 28379 28380
- 286xx
- 28604 28606 28616 28622 28624 28635 28646 28649 28651 28652 28653 28654 28656 28657 28659 28662 28664 28665 28669 28670 28683 28685 28697
- 302xx
- 30285 30286
- 305xx
- 30520 30521 30553
- 306xx
- 30639 30662
- 308xx
- 30817
- 310xx
- 31097
- 324xx
- 32421 32424 32430 32449
- 356xx
- 35610 35616 35617 35630 35631 35632 35633 35634 35645 35646 35648 35652 35660 35661 35662 35674 35677
- 365xx
- 36513 36518 36529 36538 36539 36548 36553 36556 36558 36569 36581 36583 36584 36585
- 370xx
- 37061
- 371xx
- 37175 37178
- 373xx
- 37367
- 376xx
- 37616 37641
- 377xx
- 37719 37726 37733 37743 37744 37745 37770
- 378xx
- 37809 37810 37818 37829 37845 37872 37887
- 383xx
- 38310 38315 38334 38339 38357 38359 38367 38375 38379 38393
- 411xx
- 41101 41102 41105 41114 41121 41129 41139 41144 41168 41169 41174 41175 41183
- 433xx
- 43310 43311 43318 43319 43324 43331 43333 43336 43343 43347 43348 43357 43358 43360
- 456xx
- 45619 45638 45645 45659 45669 45675 45678 45680 45688 45696
- 470xx
- 47006 47017 47021 47023 47031 47033 47034 47037 47039 47041 47042
- 472xx
- 47224 47230 47231 47243 47250
- 475xx
- 47514 47515 47520 47525 47551 47574 47576 47586
- 486xx
- 48619 48621 48636 48647
- 500xx
- 50020 50022
- 502xx
- 50274
- 505xx
- 50519 50520 50529 50545 50548 50558 50570 50577 50582 50591
- 506xx
- 50607 50629 50641 50644 50648 50650 50671 50682
- 508xx
- 50843 50853
- 510xx
- 51001 51008 51024 51028 51031 51038 51045 51050 51062
- 515xx
- 51535 51544 51552
- 522xx
- 52210
- 523xx
- 52326 52329
- 546xx
- 54612 54616 54625 54627 54630 54661
- 547xx
- 54738 54747 54758 54760 54770 54773
- 560xx
- 56013 56014 56023 56025 56027 56033 56047 56051 56068 56097 56098
- 566xx
- 56623 56686
- 567xx
- 56710 56711 56713 56724 56727 56737 56738 56741 56744 56757 56758 56760 56762
- 572xx
- 57219 57239 57261 57273 57274
- 573xx
- 57314 57325 57326 57355 57359 57368 57370 57375 57383 57385
- 574xx
- 57422 57468
- 604xx
- 60420 60460
- 609xx
- 60920 60921 60929 60934
- 613xx
- 61311 61313 61319 61326 61327 61333 61335 61336 61340 61363
- 615xx
- 61532 61546 61560 61567
- 617xx
- 61739 61740 61741 61743 61764 61769 61775
- 619xx
- 61914 61925 61928 61937 61951
- 624xx
- 62413 62427 62433 62449 62451 62454 62464 62478
- 626xx
- 62617 62633 62644 62655 62664 62682
- 628xx
- 62810 62814 62816 62830 62846 62864 62866 62872 62883 62889 62894 62898
- 688xx
- 68834 68850 68863 68878
- 690xx
- 69029
- 691xx
- 69130 69138 69171
- 730xx
- 73052 73057 73074 73075 73098
- 734xx
- 73433
- 735xx
- 73530 73542 73546 73551 73553 73555 73570
- 748xx
- 74872
- 754xx
- 75411 75416 75421 75425 75434 75435 75460 75461 75462 75468 75470 75473 75477 75486
- 790xx
- 79002 79003 79011 79054 79057 79061 79065 79066 79079 79096
- 792xx
- 79227
- 793xx
- 79314 79346 79379
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.