BAH 2026Military housing area ZZ890
County Cost Group 890 BAH 2026
DoD’s 2026 housing allowance for every pay grade in County Cost Group 890 — a rate area DoD’s file builds from 81 ZIP codes — with and without dependents.
On this page4 sections
- E‑5 with dependents
- $3,156a month45th highest of 338
- E‑5 without dependents
- $2,589a month
- O‑3 with dependents
- $3,828a month43rd highest of 338
- ZIP codes
- 81in this DoD rate group
County Cost Group 890 pays $3,156 a month for an E‑5 with dependents: the 45th 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 ZZ890. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,955 | $2,295 |
| E‑2 | $2,955 | $2,295 |
| E‑3 | $2,955 | $2,295 |
| E‑4 | $2,955 | $2,295 |
| E‑5 | $3,156 | $2,589 |
| E‑6 | $3,522 | $2,772 |
| E‑7 | $3,633 | $2,961 |
| E‑8 | $3,753 | $3,234 |
| E‑9 | $3,942 | $3,336 |
| Warrant officers | ||
| W‑1 | $3,540 | $2,895 |
| W‑2 | $3,681 | $3,231 |
| W‑3 | $3,831 | $3,351 |
| W‑4 | $3,984 | $3,543 |
| W‑5 | $4,173 | $3,660 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,654 | $3,153 |
| O‑2E | $3,807 | $3,312 |
| O‑3E | $4,014 | $3,513 |
| Officers | ||
| O‑1 | $3,207 | $2,751 |
| O‑2 | $3,519 | $3,093 |
| O‑3 | $3,828 | $3,387 |
| O‑4 | $4,236 | $3,633 |
| O‑5 | $4,530 | $3,699 |
| O‑6 | $4,569 | $3,810 |
| O‑7 | $4,605 | $3,876 |
| O‑8† | $4,605 | $3,876 |
| O‑9† | $4,605 | $3,876 |
| O‑10† | $4,605 | $3,876 |
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 81 ZIP codes in County Cost Group 890 (ZZ890). DoD’s file names this rate area “County Cost Group 890” 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 20130, one ZIP in this group, or at a ZIP the check below finds in this area.
Show all 81 ZIP codesAll 81 ZIP codes
- 201xx
- 20130 20135
- 226xx
- 22611 22620 22646 22663
- 597xx
- 59714 59715 59716 59717 59718 59719 59730 59741 59752 59758 59760 59771 59772
- 804xx
- 80423 80424 80426 80435 80443 80463 80497 80498
- 816xx
- 81611 81612 81615 81620 81621 81631 81632 81637 81642 81645 81649 81654 81655 81656 81657 81658
- 840xx
- 84017 84024 84033 84036 84055 84060 84061 84068 84098
- 956xx
- 95631 95634 95636 95656 95684
- 957xx
- 95701 95714 95715 95717 95720 95721 95726 95735 95736
- 961xx
- 96140 96141 96142 96143 96145 96146 96148 96150 96151 96152 96154 96155 96156 96157 96158
Other county cost groups
The county cost groups next to this one in DoD’s list (4 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.