BAH 2026Military housing area ZZ740
County Cost Group 740 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 740 — a rate area DoD’s file builds from 793 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $1,590a monthtied for 262nd highest of 338
- E‑5 without dependents
- $1,290a month
- O‑3 with dependents
- $2,097a monthtied for 266th highest of 338
- ZIP codes
- 793in this DoD rate group
County Cost Group 740 pays $1,590 a month for an E‑5 with dependents: the tied for 262nd 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 ZZ740. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,476 | $1,179 |
| E‑2 | $1,476 | $1,179 |
| E‑3 | $1,476 | $1,179 |
| E‑4 | $1,476 | $1,179 |
| E‑5 | $1,590 | $1,290 |
| E‑6 | $1,896 | $1,419 |
| E‑7 | $1,968 | $1,476 |
| E‑8 | $2,049 | $1,656 |
| E‑9 | $2,166 | $1,740 |
| Warrant officers | ||
| W‑1 | $1,914 | $1,449 |
| W‑2 | $2,001 | $1,653 |
| W‑3 | $2,100 | $1,752 |
| W‑4 | $2,193 | $1,908 |
| W‑5 | $2,307 | $1,986 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,980 | $1,587 |
| O‑2E | $2,085 | $1,719 |
| O‑3E | $2,211 | $1,887 |
| Officers | ||
| O‑1 | $1,632 | $1,359 |
| O‑2 | $1,893 | $1,554 |
| O‑3 | $2,097 | $1,782 |
| O‑4 | $2,343 | $1,965 |
| O‑5 | $2,520 | $2,007 |
| O‑6 | $2,538 | $2,079 |
| O‑7 | $2,553 | $2,112 |
| O‑8† | $2,553 | $2,112 |
| O‑9† | $2,553 | $2,112 |
| O‑10† | $2,553 | $2,112 |
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 793 ZIP codes in County Cost Group 740 (ZZ740). DoD’s file names this rate area “County Cost Group 740” 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 13732, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 793 ZIP codesAll 793 ZIP codes
- 137xx
- 13732 13734 13736 13737 13743 13744 13745 13746 13748 13749 13754 13760 13761 13762 13763 13777 13787 13790 13794 13795 13797
- 138xx
- 13802 13811 13812 13813 13826 13827 13833 13835 13840 13845 13848 13850 13851 13862 13864 13865
- 139xx
- 13901 13902 13903 13904 13905
- 140xx
- 14005 14013 14020 14021 14036 14040 14054 14056 14058
- 141xx
- 14125 14143
- 144xx
- 14415 14416 14418 14422 14441 14478 14482
- 145xx
- 14507 14525 14527 14544 14557
- 148xx
- 14837 14842 14857 14859 14883 14892
- 178xx
- 17814 17815 17820 17829 17835 17837 17844 17845 17846 17855 17856 17858 17859 17878 17880 17885 17886 17887 17888 17889
- 179xx
- 17920
- 186xx
- 18603 18631
- 280xx
- 28007 28091
- 281xx
- 28102 28119 28133 28135 28170
- 286xx
- 28601 28602 28603 28609 28610 28611 28612 28613 28619 28628 28630 28633 28636 28637 28638 28641 28645 28647 28650 28655 28658 28661 28666 28667 28671 28673 28678 28680 28681 28682 28690
- 289xx
- 28902 28904 28909
- 290xx
- 29014 29055 29058 29067
- 293xx
- 29325 29332 29351 29360 29370 29384
- 296xx
- 29645
- 297xx
- 29706 29712 29714 29720 29721 29722 29724 29729 29744
- 301xx
- 30110 30113 30140 30176 30182
- 320xx
- 32007 32054 32059 32083
- 321xx
- 32112 32131 32138 32139 32140 32147 32148 32149 32157 32177 32178 32181 32185 32187 32189 32193
- 323xx
- 32331 32340 32341 32350
- 326xx
- 32666 32697
- 370xx
- 37020
- 371xx
- 37160 37161 37162 37180 37183
- 373xx
- 37360
- 376xx
- 37650 37657 37692
- 380xx
- 38001 38006 38021 38034 38050
- 383xx
- 38336 38337
- 386xx
- 38611 38634 38635 38642 38649 38659 38661 38679 38685
- 423xx
- 42301 42302 42303 42304 42322 42327 42334 42350 42352 42355 42356 42366 42371 42372 42376 42377 42378
- 460xx
- 46045 46047 46049 46068 46072 46076
- 465xx
- 46502 46508 46510 46524 46538 46539 46542 46555 46562 46567 46580 46581 46582 46590
- 469xx
- 46901 46902 46903 46904 46936 46937 46965 46979 46982 46995
- 470xx
- 47010 47012 47016 47024 47030 47035 47036
- 484xx
- 48414 48418 48429 48460 48476
- 488xx
- 48817 48841 48848 48857 48867 48872 48882
- 496xx
- 49611 49612 49615 49622 49627 49629 49648 49659
- 497xx
- 49711 49712 49713 49720 49727 49729 49730 49734 49735 49751 49782 49795 49796 49797
- 506xx
- 50609 50613 50614 50621 50623 50624 50626 50634 50638 50642 50643 50651 50657 50667 50669 50673 50680
- 507xx
- 50701 50702 50703 50704 50707
- 510xx
- 51004 51007 51015 51016 51018 51019 51026 51030 51039 51044 51048 51052 51054 51055 51056
- 511xx
- 51101 51102 51103 51104 51105 51106 51108 51109 51111
- 530xx
- 53003 53006 53016 53032 53034 53035 53039 53047 53048 53050 53059 53078 53091 53098 53099
- 535xx
- 53557 53561 53577 53578 53579 53583 53588
- 539xx
- 53913 53916 53922 53933 53937 53940 53941 53942 53943 53951 53956 53958 53959 53961 53963
- 540xx
- 54001 54004 54005 54006 54009 54020 54024 54026
- 548xx
- 54810 54824 54837 54853 54858
- 566xx
- 56601 56619 56630 56647 56650 56663 56666 56667 56670 56671 56678 56683 56685 56687
- 570xx
- 57001 57004 57025 57038 57049
- 584xx
- 58440 58442
- 585xx
- 58523 58541 58545 58561 58571 58580
- 586xx
- 58621 58632 58654
- 590xx
- 59058 59062 59077
- 592xx
- 59222 59253 59263 59276
- 593xx
- 59314 59317 59318 59322 59337 59343 59345
- 594xx
- 59461
- 595xx
- 59522 59531 59545
- 598xx
- 59831 59844 59845 59848 59853 59856 59859 59873 59874
- 604xx
- 60470
- 605xx
- 60518 60531 60549 60551 60557
- 613xx
- 61301 61316 61321 61325 61332 61334 61341 61342 61348 61350 61354 61358 61360 61364 61370 61371 61372 61373
- 618xx
- 61813 61818 61830 61839 61854 61855 61856 61884
- 619xx
- 61929 61936
- 678xx
- 67846 67851 67868
- 680xx
- 68003 68015 68017 68018 68030 68033 68040 68041 68042 68050 68065 68066 68070 68073
- 686xx
- 68648
- 687xx
- 68731 68733 68741 68743 68776
- 718xx
- 71834 71837 71839 71840 71854
- 719xx
- 71901 71902 71903 71909 71910 71913 71914 71949 71956 71964 71968
- 720xx
- 72087
- 740xx
- 74023 74032 74059 74062 74074 74075 74076 74077 74078 74085
- 751xx
- 75102 75103 75105 75109 75110 75117 75127 75140 75144 75151 75153 75155 75169
- 754xx
- 75420 75431 75433 75437 75471 75478 75481 75482 75483
- 755xx
- 75501 75503 75504 75505 75507 75559 75561 75567 75569 75570 75573 75574 75599
- 757xx
- 75754 75763 75779 75790
- 758xx
- 75801 75802 75803 75832 75839 75853 75861 75880 75882 75884 75886
- 759xx
- 75934 75939 75960
- 760xx
- 76055 76067 76068
- 762xx
- 76230 76239 76251 76255 76261 76265 76270
- 764xx
- 76449 76453 76463 76472 76475 76484
- 766xx
- 76621 76622 76626 76627 76628 76631 76636 76639 76641 76645 76648 76650 76660 76666 76673 76676 76679 76681 76692
- 773xx
- 77326 77332 77335 77350 77351 77360 77399
- 774xx
- 77412 77434 77442 77460 77470 77475
- 778xx
- 77853
- 779xx
- 77954 77967 77974 77989 77994
- 780xx
- 78005 78008 78011 78012 78017 78026 78050 78052 78057 78061 78062 78064 78065
- 781xx
- 78141 78164
- 789xx
- 78934 78935 78942 78943 78947 78948 78951 78962
- 795xx
- 79512 79532 79565
- 807xx
- 80722 80726 80728 80736 80741 80745 80747 80751
- 810xx
- 81020 81024 81027 81046 81049 81059 81081 81082 81091
- 811xx
- 81125 81132 81135 81144 81154
- 812xx
- 81252 81253
- 816xx
- 81610 81625 81626 81633 81638 81640 81653
- 822xx
- 82224 82229
- 826xx
- 82633 82637
- 833xx
- 83311 83312 83314 83318 83323 83330 83332 83336 83342 83343 83346 83347 83350 83355
- 835xx
- 83535 83537
- 838xx
- 83806 83823 83832 83834 83855 83857 83871 83872
- 840xx
- 84008 84026 84035 84039 84063 84076 84078 84079 84085
- 845xx
- 84510 84511 84512 84530 84531 84533 84534 84535 84536
- 846xx
- 84620 84652 84654 84657
- 847xx
- 84701 84711 84724 84730 84739 84744 84754 84766
- 877xx
- 87730 87733 87743 87746
- 878xx
- 87820 87821 87824 87827 87829 87830
- 880xx
- 88039
- 882xx
- 88201 88202 88203 88230 88232 88253
- 978xx
- 97818 97836 97839 97843 97844
- 990xx
- 99008 99029 99032
- 991xx
- 99103 99117 99122 99134 99144 99147 99154 99159 99185
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.