BAH 2026Military housing area ZZ820
County Cost Group 820 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 820 — a rate area DoD’s file builds from 233 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $2,160a month149th highest of 338
- E‑5 without dependents
- $1,764a month
- O‑3 with dependents
- $2,730a month142nd highest of 338
- ZIP codes
- 233in this DoD rate group
County Cost Group 820 pays $2,160 a month for an E‑5 with dependents: the 149th 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 ZZ820. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,016 | $1,587 |
| E‑2 | $2,016 | $1,587 |
| E‑3 | $2,016 | $1,587 |
| E‑4 | $2,016 | $1,587 |
| E‑5 | $2,160 | $1,764 |
| E‑6 | $2,490 | $1,881 |
| E‑7 | $2,577 | $2,019 |
| E‑8 | $2,670 | $2,232 |
| E‑9 | $2,817 | $2,322 |
| Warrant officers | ||
| W‑1 | $2,508 | $1,977 |
| W‑2 | $2,616 | $2,229 |
| W‑3 | $2,733 | $2,337 |
| W‑4 | $2,847 | $2,505 |
| W‑5 | $2,988 | $2,598 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,592 | $2,157 |
| O‑2E | $2,715 | $2,301 |
| O‑3E | $2,868 | $2,481 |
| Officers | ||
| O‑1 | $2,208 | $1,866 |
| O‑2 | $2,487 | $2,118 |
| O‑3 | $2,730 | $2,367 |
| O‑4 | $3,033 | $2,574 |
| O‑5 | $3,255 | $2,625 |
| O‑6 | $3,279 | $2,712 |
| O‑7 | $3,303 | $2,757 |
| O‑8† | $3,303 | $2,757 |
| O‑9† | $3,303 | $2,757 |
| O‑10† | $3,303 | $2,757 |
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 233 ZIP codes in County Cost Group 820 (ZZ820). DoD’s file names this rate area “County Cost Group 820” 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 19503, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 233 ZIP codesAll 233 ZIP codes
- 195xx
- 19503 19504 19505 19506 19507 19508 19510 19511 19512 19516 19518 19519 19522 19523 19526 19529 19530 19533 19534 19535 19536 19538 19539 19540 19541 19543 19544 19545 19547 19548 19550 19551 19554 19555 19559 19560 19562 19564 19565 19567
- 196xx
- 19601 19602 19603 19604 19605 19606 19607 19608 19609 19610 19611 19612
- 339xx
- 33927 33938 33946 33947 33948 33949 33950 33951 33952 33953 33954 33955 33980 33981 33982 33983
- 342xx
- 34224
- 460xx
- 46052 46071 46075 46077
- 461xx
- 46102 46147
- 474xx
- 47435 47448
- 481xx
- 48114 48116 48137 48139 48143 48169
- 483xx
- 48353
- 488xx
- 48816 48836 48843 48844 48855
- 559xx
- 55901 55902 55903 55904 55905 55906 55920 55924 55927 55929 55934 55940 55944 55955 55960 55976 55985
- 587xx
- 58730 58765
- 588xx
- 58833 58844
- 590xx
- 59032
- 594xx
- 59418 59424 59430 59441 59451 59457 59464 59471 59489
- 598xx
- 59827 59828 59829 59833 59835 59840 59841 59870 59871 59875
- 604xx
- 60407 60416 60424 60437 60444 60447 60450 60474 60479
- 797xx
- 79741 79758 79759 79760 79761 79762 79763 79764 79765 79766 79768 79769 79776
- 811xx
- 81122 81137
- 812xx
- 81201 81211 81227 81228 81236 81242
- 813xx
- 81301 81302 81303 81326 81329
- 870xx
- 87009 87016 87032 87035 87036 87061 87063 87070
- 883xx
- 88321
- 898xx
- 89801 89803 89815 89822 89823 89825 89826 89828 89830 89831 89832 89833 89834 89835 89883
- 936xx
- 93623
- 953xx
- 95306 95311 95318 95325 95338 95345 95389
- 973xx
- 97321 97322 97327 97329 97335 97336 97345 97348 97355 97360 97374 97377 97386 97389
- 974xx
- 97446
- 980xx
- 98068
- 985xx
- 98581
- 986xx
- 98603 98609 98611 98616 98625 98626 98632 98645 98649 98674
- 989xx
- 98922 98925 98926 98934 98940 98941 98943 98946 98950
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.