BAH 2026Military housing area ZZ860
County Cost Group 860 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 860 — a rate area DoD’s file builds from 425 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $2,487a month92nd highest of 338
- E‑5 without dependents
- $2,037a month
- O‑3 with dependents
- $3,090a month89th highest of 338
- ZIP codes
- 425in this DoD rate group
County Cost Group 860 pays $2,487 a month for an E‑5 with dependents: the 92nd 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 ZZ860. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,325 | $1,821 |
| E‑2 | $2,325 | $1,821 |
| E‑3 | $2,325 | $1,821 |
| E‑4 | $2,325 | $1,821 |
| E‑5 | $2,487 | $2,037 |
| E‑6 | $2,829 | $2,172 |
| E‑7 | $2,922 | $2,328 |
| E‑8 | $3,027 | $2,562 |
| E‑9 | $3,186 | $2,655 |
| Warrant officers | ||
| W‑1 | $2,847 | $2,277 |
| W‑2 | $2,964 | $2,559 |
| W‑3 | $3,093 | $2,670 |
| W‑4 | $3,219 | $2,844 |
| W‑5 | $3,378 | $2,946 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,940 | $2,484 |
| O‑2E | $3,072 | $2,634 |
| O‑3E | $3,246 | $2,820 |
| Officers | ||
| O‑1 | $2,535 | $2,157 |
| O‑2 | $2,826 | $2,436 |
| O‑3 | $3,090 | $2,703 |
| O‑4 | $3,429 | $2,922 |
| O‑5 | $3,672 | $2,976 |
| O‑6 | $3,702 | $3,072 |
| O‑7 | $3,729 | $3,123 |
| O‑8† | $3,729 | $3,123 |
| O‑9† | $3,729 | $3,123 |
| O‑10† | $3,729 | $3,123 |
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 425 ZIP codes in County Cost Group 860 (ZZ860). DoD’s file names this rate area “County Cost Group 860” 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 01054, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 425 ZIP codesAll 425 ZIP codes
- 010xx
- 01054 01072 01093
- 013xx
- 01301 01302 01330 01337 01338 01339 01340 01341 01342 01344 01346 01347 01349 01350 01351 01354 01355 01360 01364 01367 01370 01373 01375 01376 01378 01379 01380
- 032xx
- 03218 03220 03225 03226 03227 03237 03246 03247 03249 03252 03253 03254 03256 03259 03269 03276 03280 03284 03289 03298 03299
- 036xx
- 03601 03603 03605 03607
- 037xx
- 03743 03745 03746 03751 03752 03753 03754 03770 03773 03781 03782
- 038xx
- 03809 03810 03812 03813 03814 03816 03817 03818 03830 03832 03836 03837 03838 03845 03846 03847 03849 03850 03853 03860 03864 03872 03875 03882 03883 03886 03890 03894 03896 03897
- 229xx
- 22920 22922 22935 22938 22949 22958 22963 22964 22965 22967 22968 22969 22971 22973 22974 22976
- 230xx
- 23022 23038 23055 23084
- 233xx
- 23304 23314 23315 23397
- 234xx
- 23424 23430 23431 23487
- 238xx
- 23898
- 244xx
- 24464
- 245xx
- 24553 24581
- 275xx
- 27508 27525 27549 27596
- 279xx
- 27916 27917 27923 27926 27927 27929 27935 27937 27938 27939 27941 27946 27947 27950 27956 27958 27964 27965 27966 27969 27973 27979
- 300xx
- 30011 30012 30013 30014 30015 30016 30018 30025 30028 30040 30041 30052 30054 30055 30056 30070 30094
- 301xx
- 30102 30103 30107 30108 30109 30112 30114 30115 30116 30117 30118 30119 30120 30121 30123 30132 30137 30141 30142 30143 30145 30146 30148 30150 30151 30157 30169 30170 30171 30175 30177 30178 30179 30180 30183 30184 30185 30188 30189
- 302xx
- 30206 30212 30217 30220 30223 30224 30229 30256 30258 30259 30263 30264 30265 30266 30271 30275 30276 30277 30284 30289 30292 30295
- 306xx
- 30620 30641 30655 30656 30666 30680
- 310xx
- 31038 31064 31085
- 334xx
- 33455 33475
- 349xx
- 34956 34957 34958 34990 34991 34992 34994 34995 34996 34997
- 370xx
- 37016 37022 37026 37029 37031 37036 37048 37051 37055 37056 37066 37071 37074 37075 37077 37087 37088 37090
- 371xx
- 37119 37121 37122 37136 37148 37149 37165 37181 37184 37186 37187 37190
- 596xx
- 59641 59643 59644 59647
- 598xx
- 59801 59802 59803 59804 59806 59807 59808 59812 59823 59825 59826 59834 59846 59847 59851 59868
- 599xx
- 59901 59903 59904 59911 59912 59913 59916 59919 59920 59921 59922 59925 59926 59927 59928 59932 59936 59937
- 600xx
- 60012 60013 60014 60021 60033 60034 60039 60050 60051 60071 60072 60081 60097 60098
- 601xx
- 60102 60142 60152 60156 60180
- 604xx
- 60401 60403 60404 60408 60410 60417 60421 60423 60431 60432 60433 60434 60435 60436 60440 60441 60442 60446 60448 60449 60451 60468 60481 60484 60490 60491
- 605xx
- 60503 60544 60564 60585 60586
- 797xx
- 79701 79702 79703 79704 79705 79706 79707 79708 79710 79711 79712 79713 79749 79782 79783
- 836xx
- 83602 83604 83622 83624 83628 83629 83631 83637 83639 83650 83666
- 954xx
- 95410 95415 95417 95418 95420 95427 95428 95429 95432 95437 95445 95449 95454 95456 95459 95460 95463 95466 95468 95469 95470 95481 95482 95488 95490 95494
- 955xx
- 95585 95587
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.