Military BAHRATES

2026 Basic Allowance for Housing · ZZ640

BAH rates for County Cost Group 640, 2026

County Cost Group 640

ZZ640 · 2026 BAH

$1,434/mo

E-5 · with dependents

$17,208 a year · +0.4% vs 2025

Without dependents: $1,161/mo

Dependency status

County Cost Group 640 (code ZZ640) sets BAH for 509 ZIP codes outside DTMO's surveyed housing areas, mostly in Illinois, New York, West Virginia, Iowa, North Carolina, Alabama. In 2026 an E-5 with dependents there receives $1,434 a month; without dependents, $1,161.

$1,329
Lowest grade
E-1 with dependents; O-7+ gets $2,349
+0.6%
Avg change vs 2025
all 24 grades, with dependents
#26 of 39
E-5 rank
$63 below the median of county cost groups
509
ZIP codes
mapped to ZZ640 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)
$1,329
$1,071
+0.2%
E-2Private (PV2) (Army), Airman (AF)
$1,329
$1,071
+0.2%
E-3Private First Class (Army), Airman First Class (AF)
$1,329
$1,071
+0.2%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$1,329
$1,071
+0.2%
E-5Sergeant (Army), Staff Sergeant (AF)
$1,434
$1,161
+0.4%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$1,734
$1,299
+1.0%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$1,803
$1,353
+1.0%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$1,878
$1,500
+1.0%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$1,992
$1,581
+0.9%
W-1Warrant Officer 1 / Warrant Officer 1
$1,752
$1,314
+1.0%
W-2Chief Warrant Officer 2
$1,833
$1,497
+0.8%
W-3Chief Warrant Officer 3
$1,929
$1,593
+0.9%
W-4Chief Warrant Officer 4
$2,013
$1,746
+0.6%
W-5Chief Warrant Officer 5
$2,124
$1,821
+0.4%
O-1EO-1 with 4+ yrs prior enlisted service
$1,815
$1,431
+1.2%
O-2EO-2 with 4+ yrs prior enlisted service
$1,914
$1,563
+0.9%
O-3EO-3 with 4+ yrs prior enlisted service
$2,031
$1,725
+0.7%
O-1Second Lieutenant
$1,476
$1,221
+0.4%
O-2First Lieutenant
$1,731
$1,404
+1.1%
O-3Captain
$1,926
$1,623
+0.9%
O-4Major
$2,154
$1,800
+0.1%
O-5Lieutenant Colonel
$2,319
$1,839
−0.3%
O-6Colonel
$2,337
$1,908
−0.3%
O-7+O-7 and above
$2,349
$1,938
−0.4%

BAH since 2022

E-5 with dependents moved from $1,221 in 2022 to $1,434 in 2026 (+17.4%).

Monthly BAH in County Cost Group 640, 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: $1,221E-5 with dependents 2023: $1,317E-5 with dependents 2024: $1,392E-5 with dependents 2025: $1,428E-5 with dependents 2026: $1,434O-3 with dependents 2022: $1,569O-3 with dependents 2023: $1,761O-3 with dependents 2024: $1,857O-3 with dependents 2025: $1,908O-3 with dependents 2026: $1,926$1,926O-3 with dependents$1,434E-5 with dependents
$1,000$1,200$1,400$1,600$1,800$2,000202220242026E-5 with dependents 2022: $1,221E-5 with dependents 2023: $1,317E-5 with dependents 2024: $1,392E-5 with dependents 2025: $1,428E-5 with dependents 2026: $1,434O-3 with dependents 2022: $1,569O-3 with dependents 2023: $1,761O-3 with dependents 2024: $1,857O-3 with dependents 2025: $1,908O-3 with dependents 2026: $1,926$1,926$1,434
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$1,140$1,221$1,284$1,326$1,329+16.6%
E-2$1,140$1,221$1,284$1,326$1,329+16.6%
E-3$1,140$1,221$1,284$1,326$1,329+16.6%
E-4$1,140$1,221$1,284$1,326$1,329+16.6%
E-5$1,221$1,317$1,392$1,428$1,434+17.4%
E-6$1,419$1,581$1,674$1,716$1,734+22.2%
E-7$1,473$1,644$1,740$1,785$1,803+22.4%
E-8$1,533$1,716$1,812$1,860$1,878+22.5%
E-9$1,623$1,818$1,920$1,974$1,992+22.7%
W-1$1,437$1,599$1,692$1,734$1,752+21.9%
W-2$1,500$1,677$1,770$1,818$1,833+22.2%
W-3$1,572$1,764$1,860$1,911$1,929+22.7%
W-4$1,644$1,845$1,947$2,001$2,013+22.4%
W-5$1,731$1,938$2,055$2,115$2,124+22.7%
O-1E$1,488$1,656$1,749$1,794$1,815+22.0%
O-2E$1,560$1,749$1,845$1,896$1,914+22.7%
O-3E$1,653$1,854$1,962$2,016$2,031+22.9%
O-1$1,251$1,356$1,434$1,470$1,476+18.0%
O-2$1,422$1,578$1,671$1,713$1,731+21.7%
O-3$1,569$1,761$1,857$1,908$1,926+22.8%
O-4$1,755$1,968$2,091$2,151$2,154+22.7%
O-5$1,890$2,118$2,256$2,325$2,319+22.7%
O-6$1,902$2,133$2,271$2,343$2,337+22.9%
O-7+$1,914$2,148$2,286$2,358$2,349+22.7%

Without dependents

Grade20222023202420252026Change
E-1$891$942$993$1,041$1,071+20.2%
E-2$891$942$993$1,041$1,071+20.2%
E-3$891$942$993$1,041$1,071+20.2%
E-4$891$942$993$1,041$1,071+20.2%
E-5$996$1,050$1,101$1,152$1,161+16.6%
E-6$1,062$1,185$1,254$1,284$1,299+22.3%
E-7$1,140$1,233$1,305$1,338$1,353+18.7%
E-8$1,257$1,374$1,455$1,491$1,500+19.3%
E-9$1,320$1,443$1,530$1,569$1,581+19.8%
W-1$1,122$1,203$1,272$1,305$1,314+17.1%
W-2$1,263$1,371$1,452$1,488$1,497+18.5%
W-3$1,326$1,452$1,542$1,581$1,593+20.1%
W-4$1,431$1,593$1,686$1,725$1,746+22.0%
W-5$1,485$1,659$1,755$1,803$1,821+22.6%
O-1E$1,221$1,311$1,389$1,425$1,431+17.2%
O-2E$1,308$1,431$1,512$1,551$1,563+19.5%
O-3E$1,416$1,572$1,665$1,707$1,725+21.8%
O-1$1,056$1,119$1,170$1,221$1,221+15.6%
O-2$1,197$1,287$1,356$1,398$1,404+17.3%
O-3$1,347$1,482$1,569$1,608$1,623+20.5%
O-4$1,473$1,641$1,734$1,782$1,800+22.2%
O-5$1,503$1,683$1,776$1,821$1,839+22.4%
O-6$1,557$1,746$1,836$1,890$1,908+22.5%
O-7+$1,569$1,770$1,866$1,923$1,938+23.5%

How County Cost Group 640 compares

E-5 with dependents is #26 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 610: $1,410County Cost Group 620: $1,419County Cost Group 630: $1,425County 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 640$1,434
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 610: $1,410County Cost Group 620: $1,419County Cost Group 630: $1,425County 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 640$1,434
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 ZZ640 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Raleigh County, WV 39
  • Allegany County, NY 28
  • Cattaraugus County, NY 27
  • Livingston County, IL 17
  • Washington County, AL 14
  • Wayne County, WV 13
  • Wilkes County, NC 12
  • Logan County, OH 12
  • Lamar County, TX 12
  • Trempealeau County, WI 11

and 66 more counties.

Questions

What is the 2026 BAH for an E-5 at County Cost Group 640?
$1,434 a month with dependents and $1,161 without dependents, according to DTMO's 2026 rate files for MHA ZZ640.
How much is E-4 and E-6 BAH at County Cost Group 640?
E-4: $1,329 with dependents, $1,071 without. E-6: $1,734 with dependents, $1,299 without.
Did BAH go up at County Cost Group 640 in 2026?
With-dependents rates changed by +0.6% 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 640 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.