BAH 2026Military housing area ZZ870
County Cost Group 870 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 870 — a rate area DoD’s file builds from 238 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $2,652a month80th highest of 338
- E‑5 without dependents
- $2,172a month
- O‑3 with dependents
- $3,270a month75th highest of 338
- ZIP codes
- 238in this DoD rate group
County Cost Group 870 pays $2,652 a month for an E‑5 with dependents: the 80th 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 ZZ870. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,478 | $1,938 |
| E‑2 | $2,478 | $1,938 |
| E‑3 | $2,478 | $1,938 |
| E‑4 | $2,478 | $1,938 |
| E‑5 | $2,652 | $2,172 |
| E‑6 | $2,997 | $2,319 |
| E‑7 | $3,096 | $2,484 |
| E‑8 | $3,204 | $2,727 |
| E‑9 | $3,372 | $2,823 |
| Warrant officers | ||
| W‑1 | $3,018 | $2,430 |
| W‑2 | $3,141 | $2,724 |
| W‑3 | $3,273 | $2,838 |
| W‑4 | $3,408 | $3,015 |
| W‑5 | $3,573 | $3,120 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,114 | $2,649 |
| O‑2E | $3,252 | $2,802 |
| O‑3E | $3,432 | $2,991 |
| Officers | ||
| O‑1 | $2,700 | $2,301 |
| O‑2 | $2,994 | $2,598 |
| O‑3 | $3,270 | $2,871 |
| O‑4 | $3,627 | $3,096 |
| O‑5 | $3,882 | $3,153 |
| O‑6 | $3,915 | $3,252 |
| O‑7 | $3,945 | $3,309 |
| O‑8† | $3,945 | $3,309 |
| O‑9† | $3,945 | $3,309 |
| O‑10† | $3,945 | $3,309 |
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 238 ZIP codes in County Cost Group 870 (ZZ870). DoD’s file names this rate area “County Cost Group 870” 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 03215, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 238 ZIP codesAll 238 ZIP codes
- 032xx
- 03215 03217 03222 03223 03238 03240 03241 03245 03251 03262 03264 03266 03279 03282 03285 03293
- 034xx
- 03431 03435 03441 03443 03444 03445 03446 03447 03448 03450 03451 03452 03455 03456 03457 03461 03462 03464 03465 03466 03467 03469 03470
- 035xx
- 03561 03574 03580 03585 03586
- 036xx
- 03602 03604 03608 03609
- 037xx
- 03740 03741 03748 03749 03750 03755 03756 03765 03766 03768 03769 03771 03774 03777 03779 03780 03784 03785
- 050xx
- 05001
- 078xx
- 07820 07823 07825 07831 07832 07833 07838 07840 07844 07846 07863 07865 07880 07882
- 088xx
- 08808 08865 08886
- 125xx
- 12501 12504 12506 12507 12508 12510 12511 12512 12514 12522 12524 12527 12531 12533 12537 12538 12540 12545 12546 12564 12567 12569 12570 12571 12572 12574 12578 12580 12581 12582 12583 12585 12590 12592 12594
- 126xx
- 12601 12602 12603 12604
- 750xx
- 75032 75087
- 751xx
- 75101 75114 75118 75119 75120 75125 75126 75132 75135 75142 75143 75147 75152 75154 75157 75158 75160 75161 75165 75167 75168 75189
- 754xx
- 75401 75402 75403 75404 75422 75423 75428 75429 75453 75458 75474 75496
- 760xx
- 76041 76064 76065
- 766xx
- 76623 76651 76670
- 786xx
- 78602 78612 78616 78621 78622 78644 78648 78650 78655 78656 78659 78661 78662
- 789xx
- 78953 78957
- 840xx
- 84032 84049 84082
- 859xx
- 85931
- 860xx
- 86001 86002 86003 86004 86005 86011 86015 86016 86017 86018 86020 86022 86023 86024 86035 86036 86038 86040 86044 86045 86046 86052 86053
- 863xx
- 86339
- 864xx
- 86435
- 894xx
- 89437
- 977xx
- 97701 97702 97703 97707 97708 97709 97712 97739 97756 97759
- 982xx
- 98220 98225 98226 98227 98228 98229 98230 98231 98240 98244 98247 98248 98262 98264 98266 98276 98281 98295
Other county cost groups
The county cost groups next to this one in DoD’s list (6 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.