Military BAHRATES

2026 Basic Allowance for Housing · ZZ820

BAH rates for County Cost Group 820, 2026

County Cost Group 820

ZZ820 · 2026 BAH

$2,160/mo

E-5 · with dependents

$25,920 a year · +9.9% vs 2025

Without dependents: $1,764/mo

Dependency status

County Cost Group 820 (code ZZ820) sets BAH for 233 ZIP codes outside DTMO's surveyed housing areas, mostly in Pennsylvania, Washington, Montana, Minnesota, Oregon, Nevada. In 2026 an E-5 with dependents there receives $2,160 a month; without dependents, $1,764.

$2,016
Lowest grade
E-1 with dependents; O-7+ gets $3,303
+9.5%
Avg change vs 2025
all 24 grades, with dependents
#8 of 39
E-5 rank
$663 above the median of county cost groups
233
ZIP codes
mapped to ZZ820 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)
$2,016
$1,587
+10.0%
E-2Private (PV2) (Army), Airman (AF)
$2,016
$1,587
+10.0%
E-3Private First Class (Army), Airman First Class (AF)
$2,016
$1,587
+10.0%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$2,016
$1,587
+10.0%
E-5Sergeant (Army), Staff Sergeant (AF)
$2,160
$1,764
+9.9%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$2,490
$1,881
+9.5%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$2,577
$2,019
+9.6%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$2,670
$2,232
+9.6%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$2,817
$2,322
+9.6%
W-1Warrant Officer 1 / Warrant Officer 1
$2,508
$1,977
+9.4%
W-2Chief Warrant Officer 2
$2,616
$2,229
+9.5%
W-3Chief Warrant Officer 3
$2,733
$2,337
+9.6%
W-4Chief Warrant Officer 4
$2,847
$2,505
+9.5%
W-5Chief Warrant Officer 5
$2,988
$2,598
+9.2%
O-1EO-1 with 4+ yrs prior enlisted service
$2,592
$2,157
+9.8%
O-2EO-2 with 4+ yrs prior enlisted service
$2,715
$2,301
+9.6%
O-3EO-3 with 4+ yrs prior enlisted service
$2,868
$2,481
+9.5%
O-1Second Lieutenant
$2,208
$1,866
+9.9%
O-2First Lieutenant
$2,487
$2,118
+9.5%
O-3Captain
$2,730
$2,367
+9.6%
O-4Major
$3,033
$2,574
+9.1%
O-5Lieutenant Colonel
$3,255
$2,625
+8.9%
O-6Colonel
$3,279
$2,712
+8.9%
O-7+O-7 and above
$3,303
$2,757
+8.8%

BAH since 2022

E-5 with dependents moved from $1,608 in 2022 to $2,160 in 2026 (+34.3%).

Monthly BAH in County Cost Group 820, 2022–2026

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

E-5O-3
$1,500$2,000$2,500$3,00020222023202420252026E-5 with dependents 2022: $1,608E-5 with dependents 2023: $1,824E-5 with dependents 2024: $1,848E-5 with dependents 2025: $1,965E-5 with dependents 2026: $2,160O-3 with dependents 2022: $2,004O-3 with dependents 2023: $2,310O-3 with dependents 2024: $2,355O-3 with dependents 2025: $2,490O-3 with dependents 2026: $2,730$2,730O-3 with dependents$2,160E-5 with dependents
$1,500$2,000$2,500$3,000202220242026E-5 with dependents 2022: $1,608E-5 with dependents 2023: $1,824E-5 with dependents 2024: $1,848E-5 with dependents 2025: $1,965E-5 with dependents 2026: $2,160O-3 with dependents 2022: $2,004O-3 with dependents 2023: $2,310O-3 with dependents 2024: $2,355O-3 with dependents 2025: $2,490O-3 with dependents 2026: $2,730$2,730$2,160
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$1,506$1,701$1,710$1,833$2,016+33.9%
E-2$1,506$1,701$1,710$1,833$2,016+33.9%
E-3$1,506$1,701$1,710$1,833$2,016+33.9%
E-4$1,506$1,701$1,710$1,833$2,016+33.9%
E-5$1,608$1,824$1,848$1,965$2,160+34.3%
E-6$1,833$2,112$2,148$2,274$2,490+35.8%
E-7$1,896$2,181$2,223$2,352$2,577+35.9%
E-8$1,965$2,262$2,304$2,436$2,670+35.9%
E-9$2,070$2,382$2,433$2,571$2,817+36.1%
W-1$1,851$2,127$2,166$2,292$2,508+35.5%
W-2$1,926$2,217$2,259$2,388$2,616+35.8%
W-3$2,007$2,313$2,358$2,493$2,733+36.2%
W-4$2,097$2,415$2,463$2,601$2,847+35.8%
W-5$2,202$2,535$2,589$2,736$2,988+35.7%
O-1E$1,911$2,193$2,235$2,361$2,592+35.6%
O-2E$1,992$2,298$2,343$2,478$2,715+36.3%
O-3E$2,109$2,427$2,478$2,619$2,868+36.0%
O-1$1,641$1,866$1,890$2,010$2,208+34.6%
O-2$1,836$2,109$2,145$2,271$2,487+35.5%
O-3$2,004$2,310$2,355$2,490$2,730+36.2%
O-4$2,235$2,574$2,631$2,781$3,033+35.7%
O-5$2,403$2,760$2,829$2,988$3,255+35.5%
O-6$2,418$2,784$2,850$3,012$3,279+35.6%
O-7+$2,436$2,805$2,871$3,036$3,303+35.6%

Without dependents

Grade20222023202420252026Change
E-1$1,173$1,311$1,317$1,428$1,587+35.3%
E-2$1,173$1,311$1,317$1,428$1,587+35.3%
E-3$1,173$1,311$1,317$1,428$1,587+35.3%
E-4$1,173$1,311$1,317$1,428$1,587+35.3%
E-5$1,320$1,476$1,476$1,599$1,764+33.6%
E-6$1,410$1,581$1,608$1,710$1,881+33.4%
E-7$1,506$1,701$1,713$1,836$2,019+34.1%
E-8$1,650$1,887$1,914$2,031$2,232+35.3%
E-9$1,719$1,962$1,995$2,115$2,322+35.1%
W-1$1,482$1,671$1,677$1,800$1,977+33.4%
W-2$1,656$1,884$1,911$2,028$2,229+34.6%
W-3$1,728$1,971$2,007$2,127$2,337+35.2%
W-4$1,848$2,124$2,163$2,286$2,505+35.6%
W-5$1,908$2,199$2,241$2,370$2,598+36.2%
O-1E$1,608$1,818$1,845$1,962$2,157+34.1%
O-2E$1,707$1,950$1,977$2,097$2,301+34.8%
O-3E$1,830$2,100$2,139$2,265$2,481+35.6%
O-1$1,401$1,572$1,572$1,698$1,866+33.2%
O-2$1,575$1,785$1,803$1,926$2,118+34.5%
O-3$1,752$2,004$2,037$2,160$2,367+35.1%
O-4$1,893$2,178$2,220$2,349$2,574+36.0%
O-5$1,929$2,226$2,265$2,394$2,625+36.1%
O-6$1,992$2,298$2,337$2,472$2,712+36.1%
O-7+$2,013$2,331$2,373$2,517$2,757+37.0%

How County Cost Group 820 compares

E-5 with dependents is #8 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 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 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 $1,329Median $1,497Highest $3,156County Cost Group 820$2,160
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 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 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 $1,329Median $1,497Highest $3,156County Cost Group 820$2,160
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 ZZ820 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Berks County, PA 48
  • Linn County, OR 15
  • Charlotte County, FL 13
  • Elko County, NV 13
  • Livingston County, MI 11
  • Olmsted County, MN 11
  • Ector County, TX 10
  • Kittitas County, WA 10
  • Cowlitz County, WA 10
  • Fergus County, MT 9

and 15 more counties.

All 233 ZIP codes in this housing area

19503 19504 19505 19506 19507 19508 19510 19511 19512 19516 19518 19519 19522 19523 19526 19529 19530 19533 19534 19535 19536 19538 19539 19540 19541 19543 19544 19545 19547 19548 19550 19551 19554 19555 19559 19560 19562 19564 19565 19567 19601 19602 19603 19604 19605 19606 19607 19608 19609 19610 19611 19612 33927 33938 33946 33947 33948 33949 33950 33951 33952 33953 33954 33955 33980 33981 33982 33983 34224 46052 46071 46075 46077 46102 46147 47435 47448 48114 48116 48137 48139 48143 48169 48353 48816 48836 48843 48844 48855 55901 55902 55903 55904 55905 55906 55920 55924 55927 55929 55934 55940 55944 55955 55960 55976 55985 58730 58765 58833 58844 59032 59418 59424 59430 59441 59451 59457 59464 59471 59489 59827 59828 59829 59833 59835 59840 59841 59870 59871 59875 60407 60416 60424 60437 60444 60447 60450 60474 60479 79741 79758 79759 79760 79761 79762 79763 79764 79765 79766 79768 79769 79776 81122 81137 81201 81211 81227 81228 81236 81242 81301 81302 81303 81326 81329 87009 87016 87032 87035 87036 87061 87063 87070 88321 89801 89803 89815 89822 89823 89825 89826 89828 89830 89831 89832 89833 89834 89835 89883 93623 95306 95311 95318 95325 95338 95345 95389 97321 97322 97327 97329 97335 97336 97345 97348 97355 97360 97374 97377 97386 97389 97446 98068 98581 98603 98609 98611 98616 98625 98626 98632 98645 98649 98674 98922 98925 98926 98934 98940 98941 98943 98946 98950

Questions

What is the 2026 BAH for an E-5 at County Cost Group 820?
$2,160 a month with dependents and $1,764 without dependents, according to DTMO's 2026 rate files for MHA ZZ820.
How much is E-4 and E-6 BAH at County Cost Group 820?
E-4: $2,016 with dependents, $1,587 without. E-6: $2,490 with dependents, $1,881 without.
Did BAH go up at County Cost Group 820 in 2026?
With-dependents rates changed by +9.5% 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 820 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.