BAH 2026Military housing area ZZ840
County Cost Group 840 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 840 — a rate area DoD’s file builds from 195 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $2,322a month121st highest of 338
- E‑5 without dependents
- $1,896a month
- O‑3 with dependents
- $2,907a month111th highest of 338
- ZIP codes
- 195in this DoD rate group
County Cost Group 840 pays $2,322 a month for an E‑5 with dependents: the 121st 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 ZZ840. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,166 | $1,701 |
| E‑2 | $2,166 | $1,701 |
| E‑3 | $2,166 | $1,701 |
| E‑4 | $2,166 | $1,701 |
| E‑5 | $2,322 | $1,896 |
| E‑6 | $2,655 | $2,022 |
| E‑7 | $2,745 | $2,169 |
| E‑8 | $2,844 | $2,394 |
| E‑9 | $2,997 | $2,487 |
| Warrant officers | ||
| W‑1 | $2,673 | $2,124 |
| W‑2 | $2,787 | $2,391 |
| W‑3 | $2,910 | $2,499 |
| W‑4 | $3,030 | $2,670 |
| W‑5 | $3,180 | $2,766 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,760 | $2,319 |
| O‑2E | $2,889 | $2,463 |
| O‑3E | $3,051 | $2,646 |
| Officers | ||
| O‑1 | $2,367 | $2,007 |
| O‑2 | $2,652 | $2,274 |
| O‑3 | $2,907 | $2,532 |
| O‑4 | $3,225 | $2,745 |
| O‑5 | $3,459 | $2,796 |
| O‑6 | $3,486 | $2,886 |
| O‑7 | $3,510 | $2,937 |
| O‑8† | $3,510 | $2,937 |
| O‑9† | $3,510 | $2,937 |
| O‑10† | $3,510 | $2,937 |
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 195 ZIP codes in County Cost Group 840 (ZZ840). DoD’s file names this rate area “County Cost Group 840” 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 23002, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 195 ZIP codesAll 195 ZIP codes
- 230xx
- 23002 23005 23009 23011 23014 23015 23030 23039 23047 23063 23065 23067 23069 23083 23086 23089
- 231xx
- 23102 23103 23105 23106 23111 23116 23124 23129 23139 23140 23141 23146 23147 23153 23160 23162 23181 23192
- 238xx
- 23822 23830 23833 23840 23841 23850 23872 23882 23884 23885 23888 23890 23891 23894 23897
- 590xx
- 59010 59038 59076 59084 59087
- 592xx
- 59214 59215 59274
- 593xx
- 59326 59341 59349 59353
- 773xx
- 77327 77328 77368 77369
- 774xx
- 77423 77445 77446 77466
- 775xx
- 77514 77523 77533 77535 77538 77560 77561 77564 77575 77580 77582 77597
- 776xx
- 77661 77665
- 780xx
- 78004 78006 78013 78015 78027 78074
- 816xx
- 81601 81602 81623 81635 81636 81647 81650 81652
- 838xx
- 83801 83803 83810 83814 83815 83816 83833 83835 83842 83854 83858 83869 83876 83877
- 840xx
- 84018 84050
- 845xx
- 84515 84532 84540
- 847xx
- 84710 84722 84725 84729 84733 84737 84738 84741 84745 84746 84755 84757 84758 84762 84763 84765 84767 84770 84771 84774 84779 84780 84781 84782 84783 84784 84790 84791
- 953xx
- 95305 95309 95310 95321 95327 95335 95346 95347 95364 95370 95372 95373 95375 95379 95383
- 954xx
- 95422 95423 95424 95426 95435 95443 95451 95453 95457 95458 95464 95485 95493
- 975xx
- 97501 97502 97503 97504 97520 97522 97524 97525 97530 97535 97536 97537 97539 97540 97541
- 993xx
- 99323 99324 99329 99348 99360 99361 99362 99363
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.