Military BAHRATES

2026 Basic Allowance for Housing · ZZ550

BAH rates for County Cost Group 550, 2026

County Cost Group 550

ZZ550 · 2026 BAH

$1,353/mo

E-5 · with dependents

$16,236 a year · −0.9% vs 2025

Without dependents: $1,092/mo

Dependency status

County Cost Group 550 (code ZZ550) sets BAH for 400 ZIP codes outside DTMO's surveyed housing areas, mostly in Illinois, Kansas, Nebraska, Tennessee, Iowa, West Virginia. In 2026 an E-5 with dependents there receives $1,353 a month; without dependents, $1,092.

$1,251
Lowest grade
E-1 with dependents; O-7+ gets $2,241
−0.5%
Avg change vs 2025
all 24 grades, with dependents
#35 of 39
E-5 rank
$144 below the median of county cost groups
400
ZIP codes
mapped to ZZ550 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)
$1,251
$1,011
−1.2%
E-2Private (PV2) (Army), Airman (AF)
$1,251
$1,011
−1.2%
E-3Private First Class (Army), Airman First Class (AF)
$1,251
$1,011
−1.2%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$1,251
$1,011
−1.2%
E-5Sergeant (Army), Staff Sergeant (AF)
$1,353
$1,092
−0.9%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$1,650
$1,236
+0.2%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$1,716
$1,287
0.0%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$1,788
$1,416
0.0%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$1,899
$1,497
−0.2%
W-1Warrant Officer 1 / Warrant Officer 1
$1,668
$1,251
+0.2%
W-2Chief Warrant Officer 2
$1,746
$1,413
0.0%
W-3Chief Warrant Officer 3
$1,839
$1,509
0.0%
W-4Chief Warrant Officer 4
$1,920
$1,659
−0.5%
W-5Chief Warrant Officer 5
$2,025
$1,731
−0.7%
O-1EO-1 with 4+ yrs prior enlisted service
$1,728
$1,350
+0.2%
O-2EO-2 with 4+ yrs prior enlisted service
$1,824
$1,479
−0.2%
O-3EO-3 with 4+ yrs prior enlisted service
$1,935
$1,641
−0.5%
O-1Second Lieutenant
$1,395
$1,149
−0.6%
O-2First Lieutenant
$1,647
$1,323
+0.2%
O-3Captain
$1,836
$1,539
0.0%
O-4Major
$2,055
$1,713
−1.0%
O-5Lieutenant Colonel
$2,214
$1,749
−1.3%
O-6Colonel
$2,229
$1,815
−1.5%
O-7+O-7 and above
$2,241
$1,845
−1.6%

BAH since 2022

E-5 with dependents moved from $1,167 in 2022 to $1,353 in 2026 (+15.9%).

Monthly BAH in County Cost Group 550, 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: $1,167E-5 with dependents 2023: $1,263E-5 with dependents 2024: $1,293E-5 with dependents 2025: $1,365E-5 with dependents 2026: $1,353O-3 with dependents 2022: $1,506O-3 with dependents 2023: $1,704O-3 with dependents 2024: $1,749O-3 with dependents 2025: $1,836O-3 with dependents 2026: $1,836$1,836O-3 with dependents$1,353E-5 with dependents
$1,000$1,200$1,400$1,600$1,800$2,000202220242026E-5 with dependents 2022: $1,167E-5 with dependents 2023: $1,263E-5 with dependents 2024: $1,293E-5 with dependents 2025: $1,365E-5 with dependents 2026: $1,353O-3 with dependents 2022: $1,506O-3 with dependents 2023: $1,704O-3 with dependents 2024: $1,749O-3 with dependents 2025: $1,836O-3 with dependents 2026: $1,836$1,836$1,353
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$1,089$1,170$1,188$1,266$1,251+14.9%
E-2$1,089$1,170$1,188$1,266$1,251+14.9%
E-3$1,089$1,170$1,188$1,266$1,251+14.9%
E-4$1,089$1,170$1,188$1,266$1,251+14.9%
E-5$1,167$1,263$1,293$1,365$1,353+15.9%
E-6$1,362$1,527$1,569$1,647$1,650+21.1%
E-7$1,416$1,590$1,635$1,716$1,716+21.2%
E-8$1,473$1,659$1,704$1,788$1,788+21.4%
E-9$1,560$1,758$1,809$1,902$1,899+21.7%
W-1$1,380$1,542$1,587$1,665$1,668+20.9%
W-2$1,440$1,620$1,665$1,746$1,746+21.2%
W-3$1,509$1,707$1,752$1,839$1,839+21.9%
W-4$1,581$1,785$1,833$1,929$1,920+21.4%
W-5$1,662$1,878$1,941$2,040$2,025+21.8%
O-1E$1,428$1,599$1,644$1,725$1,728+21.0%
O-2E$1,497$1,692$1,734$1,827$1,824+21.8%
O-3E$1,590$1,794$1,848$1,944$1,935+21.7%
O-1$1,194$1,302$1,332$1,404$1,395+16.8%
O-2$1,362$1,524$1,566$1,644$1,647+20.9%
O-3$1,506$1,704$1,749$1,836$1,836+21.9%
O-4$1,689$1,905$1,971$2,076$2,055+21.7%
O-5$1,818$2,049$2,133$2,244$2,214+21.8%
O-6$1,830$2,067$2,145$2,262$2,229+21.8%
O-7+$1,842$2,079$2,160$2,277$2,241+21.7%

Without dependents

Grade20222023202420252026Change
E-1$852$903$921$996$1,011+18.7%
E-2$852$903$921$996$1,011+18.7%
E-3$852$903$921$996$1,011+18.7%
E-4$852$903$921$996$1,011+18.7%
E-5$951$1,008$1,020$1,098$1,092+14.8%
E-6$1,014$1,140$1,176$1,233$1,236+21.9%
E-7$1,086$1,194$1,227$1,287$1,287+18.5%
E-8$1,203$1,323$1,353$1,425$1,416+17.7%
E-9$1,263$1,389$1,428$1,503$1,497+18.5%
W-1$1,071$1,158$1,194$1,248$1,251+16.8%
W-2$1,209$1,320$1,350$1,422$1,413+16.9%
W-3$1,269$1,398$1,440$1,512$1,509+18.9%
W-4$1,371$1,536$1,581$1,659$1,659+21.0%
W-5$1,425$1,602$1,647$1,734$1,731+21.5%
O-1E$1,167$1,257$1,290$1,362$1,350+15.7%
O-2E$1,251$1,377$1,410$1,485$1,479+18.2%
O-3E$1,359$1,515$1,560$1,638$1,641+20.8%
O-1$1,005$1,071$1,083$1,164$1,149+14.3%
O-2$1,143$1,236$1,260$1,335$1,323+15.7%
O-3$1,290$1,428$1,467$1,542$1,539+19.3%
O-4$1,413$1,584$1,629$1,713$1,713+21.2%
O-5$1,443$1,626$1,668$1,752$1,749+21.2%
O-6$1,494$1,689$1,728$1,821$1,815+21.5%
O-7+$1,506$1,710$1,755$1,851$1,845+22.5%

How County Cost Group 550 compares

E-5 with dependents is #35 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 530: $1,338County Cost Group 540: $1,344County 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 550$1,353
County Cost Group 510: $1,329County Cost Group 520: $1,332County Cost Group 530: $1,338County Cost Group 540: $1,344County 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 550$1,353
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 ZZ550 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Macoupin County, IL 18
  • Franklin County, IL 15
  • Gage County, NE 12
  • Wood County, WV 11
  • Wetzel County, WV 11
  • Ashe County, NC 11
  • Wayne County, IL 11
  • Vernon County, MO 11
  • Washington County, MS 10
  • Clay County, NE 10

and 57 more counties.

All 400 ZIP codes in this housing area

24224 24225 24237 24260 24266 24280 24649 26101 26102 26103 26104 26105 26106 26120 26121 26133 26138 26141 26142 26143 26150 26155 26159 26160 26162 26167 26169 26180 26181 26184 26187 26348 26377 26419 26437 26561 26562 26575 26581 27825 27840 27841 27846 27857 27861 27871 27892 28615 28617 28626 28629 28631 28640 28643 28672 28684 28693 28694 37301 37305 37313 37321 37332 37337 37338 37339 37356 37365 37366 37381 37387 37707 37713 37715 37722 37724 37727 37730 37752 37753 37773 37821 37822 37824 37825 37843 37851 37867 37870 37879 38326 38327 38328 38345 38351 38361 38365 38368 38370 38371 38372 38376 38388 38475 38549 38585 38701 38702 38703 38704 38722 38723 38731 38744 38748 38756 38760 38776 38780 38782 39452 50002 50150 50515 50527 50528 50536 50562 50597 50837 50839 50841 50846 50849 50857 50858 50859 51342 51358 52531 52535 52542 52551 52565 52569 52570 52573 52588 52620 52626 52651 57029 57045 57052 57221 57223 57234 57241 57242 57248 57331 57354 57366 57376 62009 62011 62012 62014 62023 62033 62069 62079 62080 62085 62088 62093 62418 62446 62458 62471 62626 62630 62640 62649 62667 62672 62674 62683 62685 62690 62809 62812 62819 62822 62823 62825 62836 62837 62838 62840 62842 62843 62850 62851 62856 62865 62874 62878 62880 62884 62885 62886 62890 62891 62895 62896 62897 62909 62912 62917 62923 62930 62935 62939 62943 62946 62965 62967 62972 62977 62983 62985 62987 62995 62999 63436 63459 63462 63467 63645 63655 64728 64741 64744 64750 64756 64765 64767 64771 64772 64778 64783 64784 64790 65607 65785 66014 66015 66032 66033 66039 66091 66093 66404 66408 66415 66417 66428 66522 66534 66538 66550 66732 66742 66748 66749 66751 66755 66772 66930 66935 66939 66940 66959 66960 66961 66964 66966 67107 67428 67443 67456 67460 67464 67476 67491 67511 67513 67520 67525 67526 67530 67544 67546 67548 67553 67556 67559 67564 67565 67567 67575 67635 67643 67653 67749 67758 67761 67762 68301 68309 68310 68318 68323 68328 68331 68345 68357 68380 68381 68415 68420 68422 68441 68447 68452 68458 68466 68665 68711 68713 68725 68734 68735 68742 68763 68766 68780 68842 68875 68882 68933 68934 68935 68938 68941 68943 68944 68954 68957 68961 68964 68974 68975 68978 68979 68980 69125 69331 69334 69336 71655 71656 71657 71675 71677 72413 72444 72449 72455 72460 72462 72478 72613 72616 72631 72632 72638 72660 73834 73848 73851 73855 74531 74570 74827 74839 74848 74850 74883

Questions

What is the 2026 BAH for an E-5 at County Cost Group 550?
$1,353 a month with dependents and $1,092 without dependents, according to DTMO's 2026 rate files for MHA ZZ550.
How much is E-4 and E-6 BAH at County Cost Group 550?
E-4: $1,251 with dependents, $1,011 without. E-6: $1,650 with dependents, $1,236 without.
Did BAH go up at County Cost Group 550 in 2026?
With-dependents rates changed by −0.5% 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 550 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.