Military BAHRATES

2026 Basic Allowance for Housing · ZZ530

BAH rates for County Cost Group 530, 2026

County Cost Group 530

ZZ530 · 2026 BAH

$1,338/mo

E-5 · with dependents

$16,056 a year · −0.2% vs 2025

Without dependents: $1,080/mo

Dependency status

County Cost Group 530 (code ZZ530) sets BAH for 214 ZIP codes outside DTMO's surveyed housing areas, mostly in Missouri, Arkansas, Kentucky, West Virginia, Iowa, Tennessee. In 2026 an E-5 with dependents there receives $1,338 a month; without dependents, $1,080.

$1,239
Lowest grade
E-1 with dependents; O-7+ gets $2,223
+0.1%
Avg change vs 2025
all 24 grades, with dependents
#37 of 39
E-5 rank
$159 below the median of county cost groups
214
ZIP codes
mapped to ZZ530 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)
$1,239
$1,002
−0.2%
E-2Private (PV2) (Army), Airman (AF)
$1,239
$1,002
−0.2%
E-3Private First Class (Army), Airman First Class (AF)
$1,239
$1,002
−0.2%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$1,239
$1,002
−0.2%
E-5Sergeant (Army), Staff Sergeant (AF)
$1,338
$1,080
−0.2%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$1,635
$1,224
+0.7%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$1,701
$1,275
+0.5%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$1,773
$1,401
+0.5%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$1,881
$1,482
+0.3%
W-1Warrant Officer 1 / Warrant Officer 1
$1,653
$1,239
+0.7%
W-2Chief Warrant Officer 2
$1,731
$1,398
+0.5%
W-3Chief Warrant Officer 3
$1,824
$1,494
+0.5%
W-4Chief Warrant Officer 4
$1,902
$1,644
0.0%
W-5Chief Warrant Officer 5
$2,007
$1,716
−0.3%
O-1EO-1 with 4+ yrs prior enlisted service
$1,710
$1,335
+0.7%
O-2EO-2 with 4+ yrs prior enlisted service
$1,806
$1,464
+0.3%
O-3EO-3 with 4+ yrs prior enlisted service
$1,920
$1,626
+0.2%
O-1Second Lieutenant
$1,380
$1,134
0.0%
O-2First Lieutenant
$1,632
$1,308
+0.7%
O-3Captain
$1,821
$1,524
+0.5%
O-4Major
$2,037
$1,698
−0.6%
O-5Lieutenant Colonel
$2,196
$1,734
−0.8%
O-6Colonel
$2,211
$1,800
−0.9%
O-7+O-7 and above
$2,223
$1,827
−1.1%

BAH since 2022

E-5 with dependents moved from $1,158 in 2022 to $1,338 in 2026 (+15.5%).

Monthly BAH in County Cost Group 530, 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: $1,158E-5 with dependents 2023: $1,239E-5 with dependents 2024: $1,281E-5 with dependents 2025: $1,341E-5 with dependents 2026: $1,338O-3 with dependents 2022: $1,497O-3 with dependents 2023: $1,674O-3 with dependents 2024: $1,734O-3 with dependents 2025: $1,812O-3 with dependents 2026: $1,821$1,821O-3 with dependents$1,338E-5 with dependents
$1,000$1,200$1,400$1,600$1,800$2,000202220242026E-5 with dependents 2022: $1,158E-5 with dependents 2023: $1,239E-5 with dependents 2024: $1,281E-5 with dependents 2025: $1,341E-5 with dependents 2026: $1,338O-3 with dependents 2022: $1,497O-3 with dependents 2023: $1,674O-3 with dependents 2024: $1,734O-3 with dependents 2025: $1,812O-3 with dependents 2026: $1,821$1,821$1,338
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$1,080$1,146$1,179$1,242$1,239+14.7%
E-2$1,080$1,146$1,179$1,242$1,239+14.7%
E-3$1,080$1,146$1,179$1,242$1,239+14.7%
E-4$1,080$1,146$1,179$1,242$1,239+14.7%
E-5$1,158$1,239$1,281$1,341$1,338+15.5%
E-6$1,353$1,497$1,557$1,623$1,635+20.8%
E-7$1,407$1,560$1,620$1,692$1,701+20.9%
E-8$1,464$1,632$1,689$1,764$1,773+21.1%
E-9$1,551$1,731$1,797$1,875$1,881+21.3%
W-1$1,371$1,515$1,575$1,641$1,653+20.6%
W-2$1,431$1,593$1,650$1,722$1,731+21.0%
W-3$1,500$1,677$1,737$1,815$1,824+21.6%
W-4$1,572$1,755$1,821$1,902$1,902+21.0%
W-5$1,653$1,845$1,926$2,013$2,007+21.4%
O-1E$1,419$1,572$1,629$1,698$1,710+20.5%
O-2E$1,491$1,662$1,722$1,800$1,806+21.1%
O-3E$1,581$1,764$1,833$1,917$1,920+21.4%
O-1$1,188$1,278$1,320$1,380$1,380+16.2%
O-2$1,356$1,494$1,554$1,620$1,632+20.4%
O-3$1,497$1,674$1,734$1,812$1,821+21.6%
O-4$1,680$1,875$1,956$2,049$2,037+21.2%
O-5$1,809$2,016$2,115$2,214$2,196+21.4%
O-6$1,821$2,034$2,130$2,232$2,211+21.4%
O-7+$1,830$2,046$2,145$2,247$2,223+21.5%

Without dependents

Grade20222023202420252026Change
E-1$846$885$912$978$1,002+18.4%
E-2$846$885$912$978$1,002+18.4%
E-3$846$885$912$978$1,002+18.4%
E-4$846$885$912$978$1,002+18.4%
E-5$942$984$1,011$1,077$1,080+14.6%
E-6$1,008$1,122$1,167$1,215$1,224+21.4%
E-7$1,080$1,170$1,215$1,269$1,275+18.1%
E-8$1,194$1,296$1,341$1,401$1,401+17.3%
E-9$1,254$1,362$1,416$1,476$1,482+18.2%
W-1$1,065$1,137$1,182$1,230$1,239+16.3%
W-2$1,200$1,293$1,338$1,398$1,398+16.5%
W-3$1,260$1,371$1,428$1,488$1,494+18.6%
W-4$1,365$1,509$1,569$1,632$1,644+20.4%
W-5$1,416$1,575$1,635$1,707$1,716+21.2%
O-1E$1,158$1,233$1,278$1,338$1,335+15.3%
O-2E$1,242$1,350$1,398$1,461$1,464+17.9%
O-3E$1,350$1,488$1,548$1,614$1,626+20.4%
O-1$999$1,050$1,071$1,143$1,134+13.5%
O-2$1,134$1,209$1,248$1,311$1,308+15.3%
O-3$1,281$1,401$1,452$1,518$1,524+19.0%
O-4$1,404$1,557$1,617$1,689$1,698+20.9%
O-5$1,434$1,599$1,656$1,728$1,734+20.9%
O-6$1,485$1,662$1,713$1,794$1,800+21.2%
O-7+$1,497$1,683$1,740$1,824$1,827+22.0%

How County Cost Group 530 compares

E-5 with dependents is #37 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 520: $1,332County 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 530$1,338
County Cost Group 510: $1,329County Cost Group 520: $1,332County 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 530$1,338
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 ZZ530 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Greenbrier County, WV 16
  • Keokuk County, IA 14
  • Graves County, KY 11
  • Wayne County, MO 11
  • Hopkins County, KY 10
  • Wabash County, IN 10
  • Clay County, IA 9
  • Lawrence County, MO 9
  • St. Francis County, AR 9
  • Hardy County, WV 8

and 24 more counties.

All 214 ZIP codes in this housing area

24901 24902 24916 24925 24931 24938 24943 24957 24966 24970 24977 24986 24991 25958 25962 25972 25981 25984 26801 26810 26812 26818 26836 26838 26845 26851 27007 27017 27024 27030 27031 27041 27047 27049 27053 28621 28676 37096 37097 37303 37309 37329 37331 37370 37371 37826 38232 38240 38253 38254 38257 38260 38261 38271 38281 40914 40932 40941 40944 40951 40962 40972 40983 42027 42039 42040 42051 42061 42063 42066 42069 42079 42082 42085 42088 42408 42410 42413 42431 42436 42440 42441 42442 42453 42464 46940 46941 46943 46946 46962 46974 46980 46984 46990 46992 50104 50136 50255 50268 51047 51301 51333 51338 51340 51341 51343 51357 51366 52231 52248 52335 52355 52550 52562 52563 52568 52576 52585 52591 58528 58538 58568 58570 63632 63763 63934 63944 63950 63951 63952 63956 63957 63964 63966 63967 64641 64652 64679 64683 64848 64873 65017 65026 65047 65064 65075 65082 65083 65486 65605 65654 65664 65705 65707 65712 65723 65756 65769 66701 66716 66738 66741 66754 66769 66779 67057 67061 67065 67070 67071 67104 67138 67143 70426 70427 70429 70438 70450 70467 71643 71644 71667 71678 72311 72320 72322 72326 72335 72336 72340 72341 72346 72348 72352 72359 72360 72368 72372 72392 72394 72636 72639 72645 72650 72669 72675 72686 73718 73729 73737 73747 73760 73768 73838

Questions

What is the 2026 BAH for an E-5 at County Cost Group 530?
$1,338 a month with dependents and $1,080 without dependents, according to DTMO's 2026 rate files for MHA ZZ530.
How much is E-4 and E-6 BAH at County Cost Group 530?
E-4: $1,239 with dependents, $1,002 without. E-6: $1,635 with dependents, $1,224 without.
Did BAH go up at County Cost Group 530 in 2026?
With-dependents rates changed by +0.1% 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 530 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.