Military BAHRATES

2026 Basic Allowance for Housing · ZZ720

BAH rates for County Cost Group 720, 2026

County Cost Group 720

ZZ720 · 2026 BAH

$1,536/mo

E-5 · with dependents

$18,432 a year · −2.1% vs 2025

Without dependents: $1,245/mo

Dependency status

County Cost Group 720 (code ZZ720) sets BAH for 346 ZIP codes outside DTMO's surveyed housing areas, mostly in Ohio, Texas, Pennsylvania, Oklahoma, Minnesota, Louisiana. In 2026 an E-5 with dependents there receives $1,536 a month; without dependents, $1,245.

$1,425
Lowest grade
E-1 with dependents; O-7+ gets $2,481
−1.6%
Avg change vs 2025
all 24 grades, with dependents
#18 of 39
E-5 rank
$39 above the median of county cost groups
346
ZIP codes
mapped to ZZ720 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)
$1,425
$1,143
−2.5%
E-2Private (PV2) (Army), Airman (AF)
$1,425
$1,143
−2.5%
E-3Private First Class (Army), Airman First Class (AF)
$1,425
$1,143
−2.5%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$1,425
$1,143
−2.5%
E-5Sergeant (Army), Staff Sergeant (AF)
$1,536
$1,245
−2.1%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$1,839
$1,377
−1.3%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$1,911
$1,434
−1.2%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$1,989
$1,602
−1.0%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$2,106
$1,686
−1.1%
W-1Warrant Officer 1 / Warrant Officer 1
$1,857
$1,398
−1.3%
W-2Chief Warrant Officer 2
$1,944
$1,599
−1.1%
W-3Chief Warrant Officer 3
$2,043
$1,698
−1.0%
W-4Chief Warrant Officer 4
$2,130
$1,851
−1.4%
W-5Chief Warrant Officer 5
$2,244
$1,929
−1.6%
O-1EO-1 with 4+ yrs prior enlisted service
$1,923
$1,533
−1.1%
O-2EO-2 with 4+ yrs prior enlisted service
$2,025
$1,665
−1.2%
O-3EO-3 with 4+ yrs prior enlisted service
$2,148
$1,830
−1.2%
O-1Second Lieutenant
$1,578
$1,311
−2.0%
O-2First Lieutenant
$1,836
$1,503
−1.3%
O-3Captain
$2,040
$1,725
−1.0%
O-4Major
$2,277
$1,908
−1.7%
O-5Lieutenant Colonel
$2,451
$1,947
−1.8%
O-6Colonel
$2,466
$2,019
−2.0%
O-7+O-7 and above
$2,481
$2,052
−2.1%

BAH since 2022

E-5 with dependents moved from $1,329 in 2022 to $1,536 in 2026 (+15.6%).

Monthly BAH in County Cost Group 720, 2022–2026

US dollars a month, with dependents, two common pay grades

E-5O-3
$1,250$1,500$1,750$2,000$2,25020222023202420252026E-5 with dependents 2022: $1,329E-5 with dependents 2023: $1,446E-5 with dependents 2024: $1,488E-5 with dependents 2025: $1,569E-5 with dependents 2026: $1,536O-3 with dependents 2022: $1,689O-3 with dependents 2023: $1,899O-3 with dependents 2024: $1,962O-3 with dependents 2025: $2,061O-3 with dependents 2026: $2,040$2,040O-3 with dependents$1,536E-5 with dependents
$1,250$1,500$1,750$2,000$2,250202220242026E-5 with dependents 2022: $1,329E-5 with dependents 2023: $1,446E-5 with dependents 2024: $1,488E-5 with dependents 2025: $1,569E-5 with dependents 2026: $1,536O-3 with dependents 2022: $1,689O-3 with dependents 2023: $1,899O-3 with dependents 2024: $1,962O-3 with dependents 2025: $2,061O-3 with dependents 2026: $2,040$2,040$1,536
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$1,242$1,344$1,374$1,461$1,425+14.7%
E-2$1,242$1,344$1,374$1,461$1,425+14.7%
E-3$1,242$1,344$1,374$1,461$1,425+14.7%
E-4$1,242$1,344$1,374$1,461$1,425+14.7%
E-5$1,329$1,446$1,488$1,569$1,536+15.6%
E-6$1,536$1,716$1,776$1,863$1,839+19.7%
E-7$1,593$1,782$1,842$1,935$1,911+20.0%
E-8$1,653$1,854$1,917$2,010$1,989+20.3%
E-9$1,749$1,959$2,028$2,130$2,106+20.4%
W-1$1,554$1,731$1,794$1,881$1,857+19.5%
W-2$1,620$1,812$1,875$1,965$1,944+20.0%
W-3$1,692$1,902$1,965$2,064$2,043+20.7%
W-4$1,773$1,989$2,055$2,160$2,130+20.1%
W-5$1,863$2,088$2,169$2,280$2,244+20.5%
O-1E$1,605$1,791$1,851$1,944$1,923+19.8%
O-2E$1,680$1,887$1,950$2,049$2,025+20.5%
O-3E$1,782$1,998$2,070$2,175$2,148+20.5%
O-1$1,359$1,485$1,530$1,611$1,578+16.1%
O-2$1,536$1,713$1,773$1,860$1,836+19.5%
O-3$1,689$1,899$1,962$2,061$2,040+20.8%
O-4$1,890$2,121$2,205$2,316$2,277+20.5%
O-5$2,034$2,280$2,379$2,496$2,451+20.5%
O-6$2,046$2,298$2,394$2,517$2,466+20.5%
O-7+$2,061$2,313$2,412$2,535$2,481+20.4%

Without dependents

Grade20222023202420252026Change
E-1$972$1,035$1,062$1,143$1,143+17.6%
E-2$972$1,035$1,062$1,143$1,143+17.6%
E-3$972$1,035$1,062$1,143$1,143+17.6%
E-4$972$1,035$1,062$1,143$1,143+17.6%
E-5$1,086$1,158$1,182$1,269$1,245+14.6%
E-6$1,161$1,284$1,329$1,395$1,377+18.6%
E-7$1,242$1,341$1,383$1,461$1,434+15.5%
E-8$1,368$1,503$1,551$1,632$1,602+17.1%
E-9$1,431$1,575$1,629$1,710$1,686+17.8%
W-1$1,224$1,320$1,347$1,434$1,398+14.2%
W-2$1,374$1,500$1,548$1,629$1,599+16.4%
W-3$1,437$1,584$1,641$1,722$1,698+18.2%
W-4$1,548$1,725$1,788$1,872$1,851+19.6%
W-5$1,605$1,797$1,857$1,950$1,929+20.2%
O-1E$1,329$1,440$1,485$1,566$1,533+15.3%
O-2E$1,419$1,563$1,611$1,692$1,665+17.3%
O-3E$1,533$1,704$1,767$1,854$1,830+19.4%
O-1$1,152$1,233$1,257$1,347$1,311+13.8%
O-2$1,302$1,413$1,452$1,536$1,503+15.4%
O-3$1,461$1,614$1,668$1,755$1,725+18.1%
O-4$1,590$1,776$1,839$1,932$1,908+20.0%
O-5$1,623$1,821$1,878$1,971$1,947+20.0%
O-6$1,677$1,884$1,944$2,043$2,019+20.4%
O-7+$1,692$1,911$1,974$2,079$2,052+21.3%

How County Cost Group 720 compares

E-5 with dependents is #18 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 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 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 720$1,536
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 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 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 720$1,536
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 ZZ720 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Bradford County, PA 22
  • Tangipahoa Parish, LA 15
  • Athens County, OH 14
  • Fannin County, TX 14
  • Allen County, OH 13
  • Craighead County, AR 13
  • Jackson County, FL 12
  • Snyder County, PA 10
  • Grady County, OK 10
  • Nacogdoches County, TX 10

and 42 more counties.

All 346 ZIP codes in this housing area

16910 16914 16925 16926 16945 16947 17724 17735 17812 17813 17827 17831 17833 17841 17842 17843 17853 17861 17862 17864 17870 17876 17882 18810 18814 18815 18817 18829 18831 18832 18833 18837 18840 18845 18846 18848 18850 18851 18853 18854 28722 28750 28756 28773 28782 30512 30514 30546 30572 30582 31769 31774 31798 32420 32423 32426 32431 32432 32440 32442 32443 32445 32446 32447 32448 32460 38602 38618 38638 38668 42022 42024 42056 42060 42087 43005 43006 43011 43014 43019 43022 43028 43037 43048 43050 43502 43515 43521 43533 43540 43553 43567 44607 44615 44620 44639 44644 44651 44675 45701 45710 45711 45716 45717 45719 45723 45732 45735 45739 45740 45761 45764 45766 45776 45777 45778 45780 45782 45801 45802 45804 45805 45806 45807 45808 45809 45817 45820 45833 45850 45854 45887 47831 47842 47847 47854 47875 47884 47928 47966 47974 49304 49623 49642 49644 49656 50031 50036 50037 50040 50099 50152 50156 50212 50223 50940 50950 55910 55925 55952 55959 55969 55972 55979 55987 56115 56132 56157 56169 56175 56207 56221 56229 56235 56239 56244 56258 56264 56267 56291 57201 57235 57243 57245 57263 57272 68768 68779 70401 70402 70403 70404 70421 70422 70436 70442 70443 70444 70446 70451 70454 70455 70456 70465 70466 72401 72402 72403 72404 72405 72411 72414 72416 72417 72419 72421 72427 72437 72447 72467 73002 73004 73011 73016 73018 73023 73059 73067 73079 73082 73089 73092 73734 73742 73750 73756 73762 73764 73801 73802 73841 73852 73853 73857 74020 74034 74038 74045 74058 74081 74650 75413 75418 75438 75439 75440 75443 75446 75447 75449 75452 75472 75475 75476 75479 75488 75490 75492 75760 75788 75937 75943 75944 75946 75958 75961 75962 75963 75964 75965 75978 76435 76437 76445 76448 76454 76466 76470 76471 76825 76836 76852 76858 76872 76887 79313 79336 79338 79353 79358 79367 79372 79380 80720 80740 80743 80757 80801 80802 80810 80812 80825 80862 82922 82923 82925 82941 83113 83115 83324 83349 83352 83420 83421 83429 83433 83436 83438 83445 83451 84501 84520 84526 84529 84539 84542 87654 87901 87930 87931 87933 87935 87939 87942 87943 88042

Questions

What is the 2026 BAH for an E-5 at County Cost Group 720?
$1,536 a month with dependents and $1,245 without dependents, according to DTMO's 2026 rate files for MHA ZZ720.
How much is E-4 and E-6 BAH at County Cost Group 720?
E-4: $1,425 with dependents, $1,143 without. E-6: $1,839 with dependents, $1,377 without.
Did BAH go up at County Cost Group 720 in 2026?
With-dependents rates changed by −1.6% 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 720 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.