Military BAHRATES

2026 Basic Allowance for Housing · ZZ520

BAH rates for County Cost Group 520, 2026

County Cost Group 520

ZZ520 · 2026 BAH

$1,332/mo

E-5 · with dependents

$15,984 a year · +0.7% vs 2025

Without dependents: $1,077/mo

Dependency status

County Cost Group 520 (code ZZ520) sets BAH for 179 ZIP codes outside DTMO's surveyed housing areas, mostly in Kentucky, Illinois, South Carolina, Iowa, Oklahoma, Kansas. In 2026 an E-5 with dependents there receives $1,332 a month; without dependents, $1,077.

$1,233
Lowest grade
E-1 with dependents; O-7+ gets $2,217
+0.8%
Avg change vs 2025
all 24 grades, with dependents
#38 of 39
E-5 rank
$165 below the median of county cost groups
179
ZIP codes
mapped to ZZ520 by DTMO

2026 BAH by rank, with and without dependents

Monthly rates for every pay grade; your grade is highlighted. "E" officers (O-1E to O-3E) have more than four years of prior enlisted or warrant service. Change compares with-dependents rates to 2025.

DTMO’s official BAH calculator, Department of Defense (opens in a new tab) ↗
GradeWith dependentsWithout dependentsvs 2025
(with)
E-1Private (PV1) (Army), Airman Basic (AF)
$1,233
$999
+0.5%
E-2Private (PV2) (Army), Airman (AF)
$1,233
$999
+0.5%
E-3Private First Class (Army), Airman First Class (AF)
$1,233
$999
+0.5%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$1,233
$999
+0.5%
E-5Sergeant (Army), Staff Sergeant (AF)
$1,332
$1,077
+0.7%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$1,629
$1,221
+1.3%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$1,695
$1,272
+1.3%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$1,770
$1,398
+1.4%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$1,875
$1,479
+1.0%
W-1Warrant Officer 1 / Warrant Officer 1
$1,647
$1,236
+1.3%
W-2Chief Warrant Officer 2
$1,725
$1,395
+1.2%
W-3Chief Warrant Officer 3
$1,818
$1,491
+1.2%
W-4Chief Warrant Officer 4
$1,899
$1,638
+0.8%
W-5Chief Warrant Officer 5
$2,001
$1,710
+0.3%
O-1EO-1 with 4+ yrs prior enlisted service
$1,707
$1,329
+1.4%
O-2EO-2 with 4+ yrs prior enlisted service
$1,803
$1,461
+1.2%
O-3EO-3 with 4+ yrs prior enlisted service
$1,914
$1,620
+0.8%
O-1Second Lieutenant
$1,377
$1,131
+0.9%
O-2First Lieutenant
$1,626
$1,305
+1.3%
O-3Captain
$1,815
$1,518
+1.2%
O-4Major
$2,031
$1,692
+0.1%
O-5Lieutenant Colonel
$2,190
$1,731
−0.1%
O-6Colonel
$2,205
$1,794
−0.3%
O-7+O-7 and above
$2,217
$1,824
−0.4%

BAH since 2022

E-5 with dependents moved from $1,155 in 2022 to $1,332 in 2026 (+15.3%).

Monthly BAH in County Cost Group 520, 2022–2026

US dollars a month, with dependents, two common pay grades

E-5O-3
$1,000$1,200$1,400$1,600$1,800$2,00020222023202420252026E-5 with dependents 2022: $1,155E-5 with dependents 2023: $1,224E-5 with dependents 2024: $1,272E-5 with dependents 2025: $1,323E-5 with dependents 2026: $1,332O-3 with dependents 2022: $1,494O-3 with dependents 2023: $1,659O-3 with dependents 2024: $1,728O-3 with dependents 2025: $1,794O-3 with dependents 2026: $1,815$1,815O-3 with dependents$1,332E-5 with dependents
$1,000$1,200$1,400$1,600$1,800$2,000202220242026E-5 with dependents 2022: $1,155E-5 with dependents 2023: $1,224E-5 with dependents 2024: $1,272E-5 with dependents 2025: $1,323E-5 with dependents 2026: $1,332O-3 with dependents 2022: $1,494O-3 with dependents 2023: $1,659O-3 with dependents 2024: $1,728O-3 with dependents 2025: $1,794O-3 with dependents 2026: $1,815$1,815$1,332
Source: DTMO annual BAH rate files; rates in effect 1 January each year.
View as table: every grade, 2022–2026

With dependents

Grade20222023202420252026Change
E-1$1,077$1,134$1,173$1,227$1,233+14.5%
E-2$1,077$1,134$1,173$1,227$1,233+14.5%
E-3$1,077$1,134$1,173$1,227$1,233+14.5%
E-4$1,077$1,134$1,173$1,227$1,233+14.5%
E-5$1,155$1,224$1,272$1,323$1,332+15.3%
E-6$1,350$1,485$1,551$1,608$1,629+20.7%
E-7$1,404$1,545$1,614$1,674$1,695+20.7%
E-8$1,461$1,614$1,683$1,746$1,770+21.1%
E-9$1,548$1,713$1,788$1,857$1,875+21.1%
W-1$1,368$1,500$1,569$1,626$1,647+20.4%
W-2$1,428$1,578$1,644$1,704$1,725+20.8%
W-3$1,497$1,662$1,731$1,797$1,818+21.4%
W-4$1,569$1,740$1,812$1,884$1,899+21.0%
W-5$1,650$1,830$1,917$1,995$2,001+21.3%
O-1E$1,416$1,557$1,623$1,683$1,707+20.6%
O-2E$1,488$1,647$1,716$1,782$1,803+21.2%
O-3E$1,575$1,749$1,827$1,899$1,914+21.5%
O-1$1,185$1,263$1,314$1,365$1,377+16.2%
O-2$1,353$1,482$1,548$1,605$1,626+20.2%
O-3$1,494$1,659$1,728$1,794$1,815+21.5%
O-4$1,677$1,857$1,950$2,028$2,031+21.1%
O-5$1,806$1,998$2,109$2,193$2,190+21.3%
O-6$1,815$2,016$2,121$2,211$2,205+21.5%
O-7+$1,827$2,028$2,136$2,226$2,217+21.3%

Without dependents

Grade20222023202420252026Change
E-1$846$876$906$966$999+18.1%
E-2$846$876$906$966$999+18.1%
E-3$846$876$906$966$999+18.1%
E-4$846$876$906$966$999+18.1%
E-5$942$972$1,005$1,065$1,077+14.3%
E-6$1,005$1,110$1,161$1,203$1,221+21.5%
E-7$1,077$1,158$1,212$1,257$1,272+18.1%
E-8$1,191$1,281$1,335$1,386$1,398+17.4%
E-9$1,251$1,350$1,410$1,461$1,479+18.2%
W-1$1,062$1,128$1,179$1,221$1,236+16.4%
W-2$1,197$1,278$1,332$1,383$1,395+16.5%
W-3$1,257$1,356$1,419$1,473$1,491+18.6%
W-4$1,362$1,494$1,560$1,617$1,638+20.3%
W-5$1,413$1,560$1,629$1,692$1,710+21.0%
O-1E$1,155$1,218$1,269$1,320$1,329+15.1%
O-2E$1,239$1,335$1,392$1,443$1,461+17.9%
O-3E$1,347$1,473$1,542$1,599$1,620+20.3%
O-1$996$1,038$1,068$1,128$1,131+13.6%
O-2$1,131$1,194$1,242$1,296$1,305+15.4%
O-3$1,278$1,386$1,446$1,503$1,518+18.8%
O-4$1,401$1,542$1,608$1,671$1,692+20.8%
O-5$1,431$1,584$1,647$1,710$1,731+21.0%
O-6$1,482$1,647$1,707$1,776$1,794+21.1%
O-7+$1,494$1,668$1,734$1,806$1,824+22.1%

How County Cost Group 520 compares

E-5 with dependents is #38 of 39 county cost groups. Each tick is one area.

E-5 with dependents, every county cost group, 2026

US dollars a month

County Cost Group 510: $1,329County Cost Group 530: $1,338County Cost Group 540: $1,344County Cost Group 550: $1,353County Cost Group 560: $1,362County Cost Group 570: $1,371County Cost Group 580: $1,380County Cost Group 590: $1,392County Cost Group 600: $1,404County Cost Group 610: $1,410County Cost Group 620: $1,419County Cost Group 630: $1,425County Cost Group 640: $1,434County Cost Group 650: $1,443County Cost Group 660: $1,449County Cost Group 670: $1,461County Cost Group 680: $1,470County Cost Group 690: $1,482County Cost Group 700: $1,497County Cost Group 710: $1,515County Cost Group 720: $1,536County Cost Group 730: $1,557County Cost Group 740: $1,590County Cost Group 750: $1,638County Cost Group 760: $1,686County Cost Group 770: $1,752County Cost Group 780: $1,815County Cost Group 790: $1,890County Cost Group 800: $1,962County Cost Group 810: $2,064County Cost Group 820: $2,160County Cost Group 830: $2,250County Cost Group 840: $2,322County Cost Group 850: $2,409County Cost Group 860: $2,487County Cost Group 870: $2,652County Cost Group 880: $2,850County Cost Group 890: $3,156Lowest $1,329Highest $3,156County Cost Group 520$1,332
County Cost Group 510: $1,329County Cost Group 530: $1,338County Cost Group 540: $1,344County Cost Group 550: $1,353County Cost Group 560: $1,362County Cost Group 570: $1,371County Cost Group 580: $1,380County Cost Group 590: $1,392County Cost Group 600: $1,404County Cost Group 610: $1,410County Cost Group 620: $1,419County Cost Group 630: $1,425County Cost Group 640: $1,434County Cost Group 650: $1,443County Cost Group 660: $1,449County Cost Group 670: $1,461County Cost Group 680: $1,470County Cost Group 690: $1,482County Cost Group 700: $1,497County Cost Group 710: $1,515County Cost Group 720: $1,536County Cost Group 730: $1,557County Cost Group 740: $1,590County Cost Group 750: $1,638County Cost Group 760: $1,686County Cost Group 770: $1,752County Cost Group 780: $1,815County Cost Group 790: $1,890County Cost Group 800: $1,962County Cost Group 810: $2,064County Cost Group 820: $2,160County Cost Group 830: $2,250County Cost Group 840: $2,322County Cost Group 850: $2,409County Cost Group 860: $2,487County Cost Group 870: $2,652County Cost Group 880: $2,850County Cost Group 890: $3,156Lowest $1,329Highest $3,156County Cost Group 520$1,332
Source: DTMO 2026 BAH rate files. E-5 rates in every area.

About this housing area

Counties covered

Counties of the ZIP codes DTMO maps to ZZ520 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Letcher County, KY 24
  • Leslie County, KY 17
  • Knox County, IL 17
  • Caddo County, OK 13
  • Carroll County, IA 11
  • Chesterfield County, SC 8
  • Breathitt County, KY 7
  • Floyd County, IA 7
  • Jasper County, IL 7
  • Marlboro County, SC 6

and 16 more counties.

All 179 ZIP codes in this housing area

27551 27563 27570 27586 27589 27594 29101 29512 29516 29520 29525 29570 29584 29594 29596 29646 29647 29648 29649 29653 29666 29692 29695 29709 29718 29727 29728 29741 29819 29848 40803 40816 40826 40827 40840 40844 40858 40862 40868 40874 40979 41003 41031 41128 41132 41142 41143 41146 41164 41173 41181 41310 41311 41317 41339 41347 41348 41366 41368 41385 41390 41397 41517 41537 41714 41749 41762 41764 41766 41775 41776 41777 41804 41810 41812 41815 41819 41821 41824 41825 41826 41832 41833 41835 41837 41838 41840 41845 41848 41849 41855 41858 42718 42719 42733 42758 50058 50435 50458 50468 50471 50616 50620 50653 51401 51430 51436 51440 51443 51444 51451 51452 51455 51459 51463 61401 61402 61410 61414 61428 61430 61436 61439 61448 61458 61467 61472 61474 61485 61488 61489 61572 62086 62246 62262 62273 62275 62284 62432 62448 62459 62475 62479 62480 62481 66843 66845 66850 66862 66869 67733 67735 67741 71001 71008 71016 71028 71045 71068 71070 71080 73001 73005 73006 73009 73015 73017 73029 73033 73038 73042 73047 73048 73053 74457 74931 74960 74964 74965

Questions

What is the 2026 BAH for an E-5 at County Cost Group 520?
$1,332 a month with dependents and $1,077 without dependents, according to DTMO's 2026 rate files for MHA ZZ520.
How much is E-4 and E-6 BAH at County Cost Group 520?
E-4: $1,233 with dependents, $999 without. E-6: $1,629 with dependents, $1,221 without.
Did BAH go up at County Cost Group 520 in 2026?
With-dependents rates changed by +0.8% on average across the 24 pay grades compared with 2025. If a published rate falls, individual rate protection keeps members who stay at the same duty station, grade and dependency status at their previous rate.
Does BAH depend on where I live or where I am stationed?
On your permanent duty station's ZIP code, not where you choose to live. Members are free to live anywhere; the rate is fixed by the duty location, pay grade and whether you have dependents.
When will 2027 BAH rates for County Cost Group 520 be published?
DTMO normally releases next year's rates in December, effective 1 January. See 2027 BAH rates.

Sources

  1. Defense Travel Management Office, BAH rates, all locations and all pay grades, 2026 (ASCII files), BAH Rate Lookup. Downloaded 2026-10-08.
  2. DTMO, 2025 and earlier rate files (same page), used for year-over-year change.

Confirm your entitlement with your finance office. How these tables are built and checked.