Military BAHRATES

2026 Basic Allowance for Housing · ZZ650

BAH rates for County Cost Group 650, 2026

County Cost Group 650

ZZ650 · 2026 BAH

$1,443/mo

E-5 · with dependents

$17,316 a year · +0.4% vs 2025

Without dependents: $1,167/mo

Dependency status

County Cost Group 650 (code ZZ650) sets BAH for 320 ZIP codes outside DTMO's surveyed housing areas, mostly in Texas, Wisconsin, South Dakota, Pennsylvania, Georgia, Indiana. In 2026 an E-5 with dependents there receives $1,443 a month; without dependents, $1,167.

$1,335
Lowest grade
E-1 with dependents; O-7+ gets $2,358
+0.6%
Avg change vs 2025
all 24 grades, with dependents
#25 of 39
E-5 rank
$54 below the median of county cost groups
320
ZIP codes
mapped to ZZ650 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)
$1,335
$1,074
0.0%
E-2Private (PV2) (Army), Airman (AF)
$1,335
$1,074
0.0%
E-3Private First Class (Army), Airman First Class (AF)
$1,335
$1,074
0.0%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$1,335
$1,074
0.0%
E-5Sergeant (Army), Staff Sergeant (AF)
$1,443
$1,167
+0.4%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$1,743
$1,305
+1.2%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$1,812
$1,359
+1.0%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$1,887
$1,506
+1.1%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$2,001
$1,590
+0.9%
W-1Warrant Officer 1 / Warrant Officer 1
$1,761
$1,320
+1.2%
W-2Chief Warrant Officer 2
$1,842
$1,503
+1.0%
W-3Chief Warrant Officer 3
$1,938
$1,602
+1.1%
W-4Chief Warrant Officer 4
$2,022
$1,752
+0.6%
W-5Chief Warrant Officer 5
$2,133
$1,827
+0.4%
O-1EO-1 with 4+ yrs prior enlisted service
$1,824
$1,440
+1.3%
O-2EO-2 with 4+ yrs prior enlisted service
$1,923
$1,569
+0.9%
O-3EO-3 with 4+ yrs prior enlisted service
$2,040
$1,734
+0.7%
O-1Second Lieutenant
$1,485
$1,227
+0.4%
O-2First Lieutenant
$1,740
$1,410
+1.2%
O-3Captain
$1,935
$1,629
+1.1%
O-4Major
$2,163
$1,809
+0.1%
O-5Lieutenant Colonel
$2,331
$1,848
0.0%
O-6Colonel
$2,346
$1,917
−0.3%
O-7+O-7 and above
$2,358
$1,944
−0.4%

BAH since 2022

E-5 with dependents moved from $1,230 in 2022 to $1,443 in 2026 (+17.3%).

Monthly BAH in County Cost Group 650, 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: $1,230E-5 with dependents 2023: $1,323E-5 with dependents 2024: $1,401E-5 with dependents 2025: $1,437E-5 with dependents 2026: $1,443O-3 with dependents 2022: $1,578O-3 with dependents 2023: $1,767O-3 with dependents 2024: $1,869O-3 with dependents 2025: $1,914O-3 with dependents 2026: $1,935$1,935O-3 with dependents$1,443E-5 with dependents
$1,000$1,200$1,400$1,600$1,800$2,000202220242026E-5 with dependents 2022: $1,230E-5 with dependents 2023: $1,323E-5 with dependents 2024: $1,401E-5 with dependents 2025: $1,437E-5 with dependents 2026: $1,443O-3 with dependents 2022: $1,578O-3 with dependents 2023: $1,767O-3 with dependents 2024: $1,869O-3 with dependents 2025: $1,914O-3 with dependents 2026: $1,935$1,935$1,443
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$1,149$1,227$1,293$1,335$1,335+16.2%
E-2$1,149$1,227$1,293$1,335$1,335+16.2%
E-3$1,149$1,227$1,293$1,335$1,335+16.2%
E-4$1,149$1,227$1,293$1,335$1,335+16.2%
E-5$1,230$1,323$1,401$1,437$1,443+17.3%
E-6$1,428$1,587$1,683$1,722$1,743+22.1%
E-7$1,485$1,653$1,749$1,794$1,812+22.0%
E-8$1,545$1,722$1,821$1,866$1,887+22.1%
E-9$1,635$1,824$1,932$1,983$2,001+22.4%
W-1$1,446$1,605$1,701$1,740$1,761+21.8%
W-2$1,509$1,683$1,782$1,824$1,842+22.1%
W-3$1,581$1,770$1,872$1,917$1,938+22.6%
W-4$1,656$1,851$1,959$2,010$2,022+22.1%
W-5$1,740$1,947$2,067$2,124$2,133+22.6%
O-1E$1,497$1,662$1,761$1,800$1,824+21.8%
O-2E$1,569$1,755$1,854$1,905$1,923+22.6%
O-3E$1,665$1,860$1,971$2,025$2,040+22.5%
O-1$1,260$1,362$1,443$1,479$1,485+17.9%
O-2$1,431$1,584$1,680$1,719$1,740+21.6%
O-3$1,578$1,767$1,869$1,914$1,935+22.6%
O-4$1,767$1,977$2,103$2,160$2,163+22.4%
O-5$1,905$2,127$2,268$2,331$2,331+22.4%
O-6$1,914$2,142$2,283$2,352$2,346+22.6%
O-7+$1,926$2,157$2,301$2,367$2,358+22.4%

Without dependents

Grade20222023202420252026Change
E-1$900$948$999$1,047$1,074+19.3%
E-2$900$948$999$1,047$1,074+19.3%
E-3$900$948$999$1,047$1,074+19.3%
E-4$900$948$999$1,047$1,074+19.3%
E-5$1,002$1,056$1,110$1,158$1,167+16.5%
E-6$1,071$1,188$1,260$1,290$1,305+21.8%
E-7$1,149$1,239$1,311$1,347$1,359+18.3%
E-8$1,266$1,383$1,464$1,500$1,506+19.0%
E-9$1,329$1,452$1,539$1,575$1,590+19.6%
W-1$1,131$1,209$1,278$1,311$1,320+16.7%
W-2$1,272$1,380$1,461$1,497$1,503+18.2%
W-3$1,335$1,458$1,551$1,587$1,602+20.0%
W-4$1,440$1,599$1,695$1,734$1,752+21.7%
W-5$1,497$1,668$1,764$1,809$1,827+22.0%
O-1E$1,230$1,317$1,398$1,434$1,440+17.1%
O-2E$1,317$1,437$1,521$1,557$1,569+19.1%
O-3E$1,425$1,578$1,674$1,713$1,734+21.7%
O-1$1,062$1,125$1,179$1,227$1,227+15.5%
O-2$1,206$1,293$1,365$1,407$1,410+16.9%
O-3$1,356$1,488$1,578$1,617$1,629+20.1%
O-4$1,482$1,647$1,746$1,791$1,809+22.1%
O-5$1,512$1,689$1,785$1,830$1,848+22.2%
O-6$1,566$1,755$1,848$1,899$1,917+22.4%
O-7+$1,578$1,776$1,875$1,932$1,944+23.2%

How County Cost Group 650 compares

E-5 with dependents is #25 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 640: $1,434County 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 650$1,443
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 640: $1,434County 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 650$1,443
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 ZZ650 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Clarion County, PA 21
  • Grant County, WI 21
  • Freeborn County, MN 12
  • Montgomery County, IN 11
  • Buchanan County, VA 10
  • Poweshiek County, IA 8
  • Oneida County, WI 8
  • Chilton County, AL 7
  • Roberts County, SD 7
  • Oglala Lakota County, SD 7

and 60 more counties.

All 320 ZIP codes in this housing area

16028 16036 16054 16058 16213 16214 16220 16221 16224 16225 16230 16232 16233 16234 16235 16240 16242 16248 16254 16255 16257 16258 16260 16326 16331 16332 16334 16361 16375 23004 23123 23921 23936 24239 24562 24599 24603 24614 24620 24624 24627 24628 24631 24634 24639 24646 24647 24656 24657 24658 25411 25422 25434 26201 26210 26215 26218 26219 26228 26229 26234 26236 26237 27209 27229 27247 27306 27343 27356 27371 27541 27573 27574 27583 28781 28901 28903 28905 28906 30104 30125 30138 30153 30513 30541 30555 30559 30560 30642 30665 30669 30678 31516 31518 31551 31556 31557 32052 32053 32096 35045 35046 35085 35171 36091 36750 36790 39426 39457 39463 39466 39470 42120 42153 42164 47564 47567 47584 47585 47590 47598 47916 47933 47940 47954 47955 47965 47967 47968 47989 47990 47994 48617 48622 48625 48632 48633 49757 49762 49775 49820 49827 49838 50112 50157 50171 50242 50466 50628 52134 52136 52155 52163 52211 52221 52222 52232 53518 53554 53569 53573 53801 53802 53804 53805 53806 53807 53808 53809 53810 53811 53812 53813 53816 53817 53818 53820 53824 53825 53827 54463 54501 54529 54531 54539 54543 54548 54562 54564 54568 56007 56009 56016 56020 56029 56032 56035 56036 56042 56043 56045 56089 56621 56634 56644 56652 56676 57031 57040 57046 57067 57072 57078 57224 57227 57255 57256 57257 57260 57262 57266 57279 57311 57332 57340 57362 57371 57373 57467 57632 57646 57648 57716 57752 57756 57764 57770 57772 57794 65230 65248 65250 65254 65274 69025 69028 69038 69039 69042 72057 72084 72128 72129 72150 73030 73032 73039 73086 73960 74003 74004 74005 74006 74022 74029 74051 74061 74082 75834 75845 75856 75862 75865 75926 76363 76371 76430 76464 76936 78332 78333 78342 78375 79005 79024 79034 79046 79056 79077 79084 79095 79230 79251 79316 79324 79344 79345 79347 79378 79505 79529 79837 79839 79847 79851 82710 82711 82712 82714 82720 82721 82729 88121 88401 88411 88426 88427 88430 88433 88434

Questions

What is the 2026 BAH for an E-5 at County Cost Group 650?
$1,443 a month with dependents and $1,167 without dependents, according to DTMO's 2026 rate files for MHA ZZ650.
How much is E-4 and E-6 BAH at County Cost Group 650?
E-4: $1,335 with dependents, $1,074 without. E-6: $1,743 with dependents, $1,305 without.
Did BAH go up at County Cost Group 650 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 650 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.