BAH 2026Military housing area ZZ650
County Cost Group 650 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 650 — a rate area DoD’s file builds from 320 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $1,443a month300th highest of 338
- E‑5 without dependents
- $1,167a month
- O‑3 with dependents
- $1,935a month307th highest of 338
- ZIP codes
- 320in this DoD rate group
County Cost Group 650 pays $1,443 a month for an E‑5 with dependents: the 300th 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 ZZ650. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,335 | $1,074 |
| E‑2 | $1,335 | $1,074 |
| E‑3 | $1,335 | $1,074 |
| E‑4 | $1,335 | $1,074 |
| E‑5 | $1,443 | $1,167 |
| E‑6 | $1,743 | $1,305 |
| E‑7 | $1,812 | $1,359 |
| E‑8 | $1,887 | $1,506 |
| E‑9 | $2,001 | $1,590 |
| Warrant officers | ||
| W‑1 | $1,761 | $1,320 |
| W‑2 | $1,842 | $1,503 |
| W‑3 | $1,938 | $1,602 |
| W‑4 | $2,022 | $1,752 |
| W‑5 | $2,133 | $1,827 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,824 | $1,440 |
| O‑2E | $1,923 | $1,569 |
| O‑3E | $2,040 | $1,734 |
| Officers | ||
| O‑1 | $1,485 | $1,227 |
| O‑2 | $1,740 | $1,410 |
| O‑3 | $1,935 | $1,629 |
| O‑4 | $2,163 | $1,809 |
| O‑5 | $2,331 | $1,848 |
| O‑6 | $2,346 | $1,917 |
| O‑7 | $2,358 | $1,944 |
| O‑8† | $2,358 | $1,944 |
| O‑9† | $2,358 | $1,944 |
| O‑10† | $2,358 | $1,944 |
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 320 ZIP codes in County Cost Group 650 (ZZ650). DoD’s file names this rate area “County Cost Group 650” 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 16028, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 320 ZIP codesAll 320 ZIP codes
- 160xx
- 16028 16036 16054 16058
- 162xx
- 16213 16214 16220 16221 16224 16225 16230 16232 16233 16234 16235 16240 16242 16248 16254 16255 16257 16258 16260
- 163xx
- 16326 16331 16332 16334 16361 16375
- 230xx
- 23004
- 231xx
- 23123
- 239xx
- 23921 23936
- 242xx
- 24239
- 245xx
- 24562 24599
- 246xx
- 24603 24614 24620 24624 24627 24628 24631 24634 24639 24646 24647 24656 24657 24658
- 254xx
- 25411 25422 25434
- 262xx
- 26201 26210 26215 26218 26219 26228 26229 26234 26236 26237
- 272xx
- 27209 27229 27247
- 273xx
- 27306 27343 27356 27371
- 275xx
- 27541 27573 27574 27583
- 287xx
- 28781
- 289xx
- 28901 28903 28905 28906
- 301xx
- 30104 30125 30138 30153
- 305xx
- 30513 30541 30555 30559 30560
- 306xx
- 30642 30665 30669 30678
- 315xx
- 31516 31518 31551 31556 31557
- 320xx
- 32052 32053 32096
- 350xx
- 35045 35046 35085
- 351xx
- 35171
- 360xx
- 36091
- 367xx
- 36750 36790
- 394xx
- 39426 39457 39463 39466 39470
- 421xx
- 42120 42153 42164
- 475xx
- 47564 47567 47584 47585 47590 47598
- 479xx
- 47916 47933 47940 47954 47955 47965 47967 47968 47989 47990 47994
- 486xx
- 48617 48622 48625 48632 48633
- 497xx
- 49757 49762 49775
- 498xx
- 49820 49827 49838
- 501xx
- 50112 50157 50171
- 502xx
- 50242
- 504xx
- 50466
- 506xx
- 50628
- 521xx
- 52134 52136 52155 52163
- 522xx
- 52211 52221 52222 52232
- 535xx
- 53518 53554 53569 53573
- 538xx
- 53801 53802 53804 53805 53806 53807 53808 53809 53810 53811 53812 53813 53816 53817 53818 53820 53824 53825 53827
- 544xx
- 54463
- 545xx
- 54501 54529 54531 54539 54543 54548 54562 54564 54568
- 560xx
- 56007 56009 56016 56020 56029 56032 56035 56036 56042 56043 56045 56089
- 566xx
- 56621 56634 56644 56652 56676
- 570xx
- 57031 57040 57046 57067 57072 57078
- 572xx
- 57224 57227 57255 57256 57257 57260 57262 57266 57279
- 573xx
- 57311 57332 57340 57362 57371 57373
- 574xx
- 57467
- 576xx
- 57632 57646 57648
- 577xx
- 57716 57752 57756 57764 57770 57772 57794
- 652xx
- 65230 65248 65250 65254 65274
- 690xx
- 69025 69028 69038 69039 69042
- 720xx
- 72057 72084
- 721xx
- 72128 72129 72150
- 730xx
- 73030 73032 73039 73086
- 739xx
- 73960
- 740xx
- 74003 74004 74005 74006 74022 74029 74051 74061 74082
- 758xx
- 75834 75845 75856 75862 75865
- 759xx
- 75926
- 763xx
- 76363 76371
- 764xx
- 76430 76464
- 769xx
- 76936
- 783xx
- 78332 78333 78342 78375
- 790xx
- 79005 79024 79034 79046 79056 79077 79084 79095
- 792xx
- 79230 79251
- 793xx
- 79316 79324 79344 79345 79347 79378
- 795xx
- 79505 79529
- 798xx
- 79837 79839 79847 79851
- 827xx
- 82710 82711 82712 82714 82720 82721 82729
- 881xx
- 88121
- 884xx
- 88401 88411 88426 88427 88430 88433 88434
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.