Military BAHRATES

2026 Basic Allowance for Housing · ZZ610

BAH rates for County Cost Group 610, 2026

County Cost Group 610

ZZ610 · 2026 BAH

$1,410/mo

E-5 · with dependents

$16,920 a year · 0.0% vs 2025

Without dependents: $1,143/mo

Dependency status

County Cost Group 610 (code ZZ610) sets BAH for 354 ZIP codes outside DTMO's surveyed housing areas, mostly in Ohio, Iowa, North Carolina, Virginia, Minnesota, Wisconsin. In 2026 an E-5 with dependents there receives $1,410 a month; without dependents, $1,143.

$1,308
Lowest grade
E-1 with dependents; O-7+ gets $2,319
+0.3%
Avg change vs 2025
all 24 grades, with dependents
#29 of 39
E-5 rank
$87 below the median of county cost groups
354
ZIP codes
mapped to ZZ610 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)
$1,308
$1,053
0.0%
E-2Private (PV2) (Army), Airman (AF)
$1,308
$1,053
0.0%
E-3Private First Class (Army), Airman First Class (AF)
$1,308
$1,053
0.0%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$1,308
$1,053
0.0%
E-5Sergeant (Army), Staff Sergeant (AF)
$1,410
$1,143
0.0%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$1,710
$1,281
+0.7%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$1,779
$1,335
+0.7%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$1,854
$1,476
+0.8%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$1,965
$1,557
+0.6%
W-1Warrant Officer 1 / Warrant Officer 1
$1,728
$1,296
+0.7%
W-2Chief Warrant Officer 2
$1,809
$1,473
+0.7%
W-3Chief Warrant Officer 3
$1,905
$1,572
+0.8%
W-4Chief Warrant Officer 4
$1,989
$1,722
+0.5%
W-5Chief Warrant Officer 5
$2,097
$1,794
+0.1%
O-1EO-1 with 4+ yrs prior enlisted service
$1,791
$1,407
+1.0%
O-2EO-2 with 4+ yrs prior enlisted service
$1,890
$1,539
+0.6%
O-3EO-3 with 4+ yrs prior enlisted service
$2,004
$1,701
+0.5%
O-1Second Lieutenant
$1,455
$1,200
+0.2%
O-2First Lieutenant
$1,707
$1,380
+0.7%
O-3Captain
$1,902
$1,599
+0.8%
O-4Major
$2,127
$1,776
−0.1%
O-5Lieutenant Colonel
$2,292
$1,815
−0.4%
O-6Colonel
$2,307
$1,881
−0.5%
O-7+O-7 and above
$2,319
$1,911
−0.6%

BAH since 2022

E-5 with dependents moved from $1,200 in 2022 to $1,410 in 2026 (+17.5%).

Monthly BAH in County Cost Group 610, 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: $1,200E-5 with dependents 2023: $1,302E-5 with dependents 2024: $1,353E-5 with dependents 2025: $1,410E-5 with dependents 2026: $1,410O-3 with dependents 2022: $1,545O-3 with dependents 2023: $1,743O-3 with dependents 2024: $1,815O-3 with dependents 2025: $1,887O-3 with dependents 2026: $1,902$1,902O-3 with dependents$1,410E-5 with dependents
$1,000$1,200$1,400$1,600$1,800$2,000202220242026E-5 with dependents 2022: $1,200E-5 with dependents 2023: $1,302E-5 with dependents 2024: $1,353E-5 with dependents 2025: $1,410E-5 with dependents 2026: $1,410O-3 with dependents 2022: $1,545O-3 with dependents 2023: $1,743O-3 with dependents 2024: $1,815O-3 with dependents 2025: $1,887O-3 with dependents 2026: $1,902$1,902$1,410
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$1,122$1,206$1,248$1,308$1,308+16.6%
E-2$1,122$1,206$1,248$1,308$1,308+16.6%
E-3$1,122$1,206$1,248$1,308$1,308+16.6%
E-4$1,122$1,206$1,248$1,308$1,308+16.6%
E-5$1,200$1,302$1,353$1,410$1,410+17.5%
E-6$1,398$1,563$1,632$1,698$1,710+22.3%
E-7$1,452$1,629$1,698$1,767$1,779+22.5%
E-8$1,512$1,698$1,770$1,839$1,854+22.6%
E-9$1,602$1,800$1,878$1,953$1,965+22.7%
W-1$1,416$1,581$1,650$1,716$1,728+22.0%
W-2$1,479$1,659$1,731$1,797$1,809+22.3%
W-3$1,548$1,746$1,818$1,890$1,905+23.1%
W-4$1,623$1,827$1,902$1,980$1,989+22.6%
W-5$1,707$1,920$2,010$2,094$2,097+22.8%
O-1E$1,467$1,638$1,707$1,773$1,791+22.1%
O-2E$1,539$1,731$1,803$1,878$1,890+22.8%
O-3E$1,629$1,836$1,917$1,995$2,004+23.0%
O-1$1,230$1,341$1,395$1,452$1,455+18.3%
O-2$1,401$1,560$1,629$1,695$1,707+21.8%
O-3$1,545$1,743$1,815$1,887$1,902+23.1%
O-4$1,731$1,950$2,043$2,130$2,127+22.9%
O-5$1,866$2,097$2,208$2,301$2,292+22.8%
O-6$1,878$2,115$2,223$2,319$2,307+22.8%
O-7+$1,887$2,127$2,238$2,334$2,319+22.9%

Without dependents

Grade20222023202420252026Change
E-1$879$930$963$1,029$1,053+19.8%
E-2$879$930$963$1,029$1,053+19.8%
E-3$879$930$963$1,029$1,053+19.8%
E-4$879$930$963$1,029$1,053+19.8%
E-5$978$1,038$1,071$1,137$1,143+16.9%
E-6$1,044$1,170$1,221$1,272$1,281+22.7%
E-7$1,119$1,221$1,275$1,326$1,335+19.3%
E-8$1,239$1,359$1,416$1,473$1,476+19.1%
E-9$1,299$1,428$1,491$1,548$1,557+19.9%
W-1$1,104$1,188$1,242$1,287$1,296+17.4%
W-2$1,245$1,356$1,413$1,470$1,473+18.3%
W-3$1,305$1,437$1,503$1,560$1,572+20.5%
W-4$1,410$1,575$1,644$1,707$1,722+22.1%
W-5$1,464$1,644$1,713$1,782$1,794+22.5%
O-1E$1,200$1,296$1,350$1,407$1,407+17.2%
O-2E$1,287$1,416$1,473$1,533$1,539+19.6%
O-3E$1,395$1,554$1,623$1,689$1,701+21.9%
O-1$1,038$1,107$1,137$1,206$1,200+15.6%
O-2$1,176$1,272$1,320$1,380$1,380+17.3%
O-3$1,326$1,467$1,527$1,590$1,599+20.6%
O-4$1,449$1,623$1,695$1,764$1,776+22.6%
O-5$1,482$1,665$1,734$1,803$1,815+22.5%
O-6$1,533$1,731$1,794$1,872$1,881+22.7%
O-7+$1,545$1,752$1,821$1,902$1,911+23.7%

How County Cost Group 610 compares

E-5 with dependents is #29 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 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 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 610$1,410
County Cost Group 510: $1,329County Cost Group 520: $1,332County 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 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 610$1,410
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 ZZ610 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Pittsylvania County, VA 14
  • Seneca County, OH 13
  • Cleveland County, NC 12
  • Rutherford County, NC 12
  • Brunswick County, VA 11
  • Perry County, OH 11
  • Oconto County, WI 11
  • Fulton County, PA 10
  • Monroe County, OH 10
  • Shelby County, IA 10

and 48 more counties.

All 354 ZIP codes in this housing area

15536 16689 16691 17212 17215 17223 17228 17229 17233 17238 17267 23821 23843 23845 23856 23857 23868 23873 23876 23887 23889 23893 23920 24069 24139 24161 24527 24530 24531 24540 24541 24543 24549 24557 24563 24565 24566 24586 24594 26347 26354 26424 26435 26440 27212 27291 27305 27311 27314 27315 27379 28017 28018 28019 28020 28024 28038 28040 28042 28043 28073 28074 28076 28086 28089 28090 28114 28136 28139 28150 28151 28152 28160 28167 28169 28720 28746 31727 31733 31775 31793 31794 31795 37144 37328 37334 37335 37348 37359 38037 38040 38041 38063 38453 38459 38488 39632 39635 39648 39649 39652 39657 39666 39759 39760 39762 39769 40385 40403 40404 40405 40475 40476 43076 43326 43340 43345 43346 43716 43730 43731 43739 43747 43748 43752 43754 43757 43760 43761 43764 43766 43782 43783 43786 43793 43907 43914 43915 43931 43946 43973 43974 43976 43981 43984 43986 43988 44693 44695 44699 44802 44807 44809 44815 44818 44828 44830 44836 44841 44845 44853 44861 44867 44883 45123 45132 45133 45135 45142 45155 45172 45613 45621 45624 45640 45642 45646 45656 45661 45683 45687 45690 45692 45734 45810 45812 45835 45836 45843 45859 46932 46942 46947 46950 46961 46967 46978 46988 46994 46998 47501 47519 47529 47558 47562 47568 50401 50402 50428 50433 50457 50464 50467 50469 50477 50479 50482 51446 51447 51527 51530 51531 51537 51562 51565 51570 51578 51593 51639 51640 51645 51648 51649 51650 51652 51653 51654 52619 52624 52625 52627 52631 52632 52639 52648 52656 52657 52658 54101 54124 54138 54139 54141 54149 54153 54154 54171 54174 54175 54814 54816 54821 54827 54832 54839 54844 54847 54856 54865 54891 56113 56136 56142 56149 56178 56434 56464 56477 56479 56481 56482 56520 56522 56543 56553 56565 56579 56594 56715 56742 56748 56750 57317 57335 57523 57528 57529 57533 57534 57538 57541 57571 57580 57584 61912 61920 61931 61938 61943 62440 62469 67401 67402 67416 67425 67442 67448 67470 68004 68316 68319 68367 68371 68401 68460 68467 68716 68738 68747 68765 68767 68769 68788 68791 69023 69027 69033 69045 76483 76491 76634 76637 76644 76649 76652 76665 76671 76690 76950 79225 79252 80737 80744 80749

Questions

What is the 2026 BAH for an E-5 at County Cost Group 610?
$1,410 a month with dependents and $1,143 without dependents, according to DTMO's 2026 rate files for MHA ZZ610.
How much is E-4 and E-6 BAH at County Cost Group 610?
E-4: $1,308 with dependents, $1,053 without. E-6: $1,710 with dependents, $1,281 without.
Did BAH go up at County Cost Group 610 in 2026?
With-dependents rates changed by +0.3% 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 610 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.