Military BAHRATES

2026 Basic Allowance for Housing · ZZ840

BAH rates for County Cost Group 840, 2026

County Cost Group 840

ZZ840 · 2026 BAH

$2,322/mo

E-5 · with dependents

$27,864 a year · +9.5% vs 2025

Without dependents: $1,896/mo

Dependency status

County Cost Group 840 (code ZZ840) sets BAH for 195 ZIP codes outside DTMO's surveyed housing areas, mostly in Virginia, Utah, Texas, California, Oregon, Idaho. In 2026 an E-5 with dependents there receives $2,322 a month; without dependents, $1,896.

$2,166
Lowest grade
E-1 with dependents; O-7+ gets $3,510
+9.2%
Avg change vs 2025
all 24 grades, with dependents
#6 of 39
E-5 rank
$825 above the median of county cost groups
195
ZIP codes
mapped to ZZ840 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)
$2,166
$1,701
+9.4%
E-2Private (PV2) (Army), Airman (AF)
$2,166
$1,701
+9.4%
E-3Private First Class (Army), Airman First Class (AF)
$2,166
$1,701
+9.4%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$2,166
$1,701
+9.4%
E-5Sergeant (Army), Staff Sergeant (AF)
$2,322
$1,896
+9.5%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$2,655
$2,022
+9.1%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$2,745
$2,169
+9.2%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$2,844
$2,394
+9.5%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$2,997
$2,487
+9.4%
W-1Warrant Officer 1 / Warrant Officer 1
$2,673
$2,124
+9.1%
W-2Chief Warrant Officer 2
$2,787
$2,391
+9.3%
W-3Chief Warrant Officer 3
$2,910
$2,499
+9.5%
W-4Chief Warrant Officer 4
$3,030
$2,670
+9.3%
W-5Chief Warrant Officer 5
$3,180
$2,766
+9.2%
O-1EO-1 with 4+ yrs prior enlisted service
$2,760
$2,319
+9.4%
O-2EO-2 with 4+ yrs prior enlisted service
$2,889
$2,463
+9.3%
O-3EO-3 with 4+ yrs prior enlisted service
$3,051
$2,646
+9.2%
O-1Second Lieutenant
$2,367
$2,007
+9.4%
O-2First Lieutenant
$2,652
$2,274
+9.1%
O-3Captain
$2,907
$2,532
+9.5%
O-4Major
$3,225
$2,745
+8.9%
O-5Lieutenant Colonel
$3,459
$2,796
+8.9%
O-6Colonel
$3,486
$2,886
+8.8%
O-7+O-7 and above
$3,510
$2,937
+8.7%

BAH since 2022

E-5 with dependents moved from $1,755 in 2022 to $2,322 in 2026 (+32.3%).

Monthly BAH in County Cost Group 840, 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: $1,755E-5 with dependents 2023: $1,998E-5 with dependents 2024: $2,007E-5 with dependents 2025: $2,121E-5 with dependents 2026: $2,322O-3 with dependents 2022: $2,166O-3 with dependents 2023: $2,496O-3 with dependents 2024: $2,529O-3 with dependents 2025: $2,655O-3 with dependents 2026: $2,907$2,907O-3 with dependents$2,322E-5 with dependents
$1,500$2,000$2,500$3,000202220242026E-5 with dependents 2022: $1,755E-5 with dependents 2023: $1,998E-5 with dependents 2024: $2,007E-5 with dependents 2025: $2,121E-5 with dependents 2026: $2,322O-3 with dependents 2022: $2,166O-3 with dependents 2023: $2,496O-3 with dependents 2024: $2,529O-3 with dependents 2025: $2,655O-3 with dependents 2026: $2,907$2,907$2,322
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$1,644$1,866$1,860$1,980$2,166+31.8%
E-2$1,644$1,866$1,860$1,980$2,166+31.8%
E-3$1,644$1,866$1,860$1,980$2,166+31.8%
E-4$1,644$1,866$1,860$1,980$2,166+31.8%
E-5$1,755$1,998$2,007$2,121$2,322+32.3%
E-6$1,989$2,292$2,316$2,433$2,655+33.5%
E-7$2,055$2,364$2,394$2,514$2,745+33.6%
E-8$2,127$2,445$2,478$2,598$2,844+33.7%
E-9$2,241$2,574$2,610$2,739$2,997+33.7%
W-1$2,007$2,310$2,334$2,451$2,673+33.2%
W-2$2,085$2,400$2,430$2,550$2,787+33.7%
W-3$2,172$2,499$2,532$2,658$2,910+34.0%
W-4$2,268$2,610$2,643$2,772$3,030+33.6%
W-5$2,379$2,736$2,778$2,913$3,180+33.7%
O-1E$2,070$2,376$2,406$2,523$2,760+33.3%
O-2E$2,157$2,484$2,514$2,643$2,889+33.9%
O-3E$2,280$2,622$2,661$2,793$3,051+33.8%
O-1$1,788$2,040$2,052$2,163$2,367+32.4%
O-2$1,992$2,289$2,313$2,430$2,652+33.1%
O-3$2,166$2,496$2,529$2,655$2,907+34.2%
O-4$2,415$2,778$2,820$2,961$3,225+33.5%
O-5$2,595$2,979$3,027$3,177$3,459+33.3%
O-6$2,613$3,006$3,051$3,204$3,486+33.4%
O-7+$2,631$3,027$3,075$3,228$3,510+33.4%

Without dependents

Grade20222023202420252026Change
E-1$1,278$1,437$1,428$1,539$1,701+33.1%
E-2$1,278$1,437$1,428$1,539$1,701+33.1%
E-3$1,278$1,437$1,428$1,539$1,701+33.1%
E-4$1,278$1,437$1,428$1,539$1,701+33.1%
E-5$1,443$1,620$1,608$1,728$1,896+31.4%
E-6$1,542$1,737$1,734$1,848$2,022+31.1%
E-7$1,647$1,863$1,863$1,983$2,169+31.7%
E-8$1,797$2,061$2,073$2,187$2,394+33.2%
E-9$1,872$2,139$2,157$2,271$2,487+32.9%
W-1$1,617$1,830$1,821$1,941$2,124+31.4%
W-2$1,803$2,058$2,070$2,184$2,391+32.6%
W-3$1,878$2,148$2,172$2,286$2,499+33.1%
W-4$2,004$2,304$2,331$2,445$2,670+33.2%
W-5$2,070$2,382$2,409$2,532$2,766+33.6%
O-1E$1,755$1,992$2,004$2,118$2,319+32.1%
O-2E$1,857$2,124$2,139$2,253$2,463+32.6%
O-3E$1,986$2,283$2,307$2,424$2,646+33.2%
O-1$1,533$1,725$1,713$1,836$2,007+30.9%
O-2$1,719$1,953$1,959$2,076$2,274+32.3%
O-3$1,905$2,181$2,199$2,316$2,532+32.9%
O-4$2,055$2,361$2,391$2,511$2,745+33.6%
O-5$2,091$2,409$2,436$2,559$2,796+33.7%
O-6$2,157$2,484$2,511$2,640$2,886+33.8%
O-7+$2,181$2,523$2,553$2,685$2,937+34.7%

How County Cost Group 840 compares

E-5 with dependents is #6 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 820: $2,160County Cost Group 830: $2,250County 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 840$2,322
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 820: $2,160County Cost Group 830: $2,250County 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 840$2,322
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 ZZ840 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Washington County, UT 20
  • Jackson County, OR 15
  • Tuolumne County, CA 13
  • Lake County, CA 12
  • Kootenai County, ID 11
  • Liberty County, TX 10
  • Hanover County, VA 8
  • Dinwiddie County, VA 8
  • Walla Walla County, WA 8
  • Goochland County, VA 7

and 22 more counties.

All 195 ZIP codes in this housing area

23002 23005 23009 23011 23014 23015 23030 23039 23047 23063 23065 23067 23069 23083 23086 23089 23102 23103 23105 23106 23111 23116 23124 23129 23139 23140 23141 23146 23147 23153 23160 23162 23181 23192 23822 23830 23833 23840 23841 23850 23872 23882 23884 23885 23888 23890 23891 23894 23897 59010 59038 59076 59084 59087 59214 59215 59274 59326 59341 59349 59353 77327 77328 77368 77369 77423 77445 77446 77466 77514 77523 77533 77535 77538 77560 77561 77564 77575 77580 77582 77597 77661 77665 78004 78006 78013 78015 78027 78074 81601 81602 81623 81635 81636 81647 81650 81652 83801 83803 83810 83814 83815 83816 83833 83835 83842 83854 83858 83869 83876 83877 84018 84050 84515 84532 84540 84710 84722 84725 84729 84733 84737 84738 84741 84745 84746 84755 84757 84758 84762 84763 84765 84767 84770 84771 84774 84779 84780 84781 84782 84783 84784 84790 84791 95305 95309 95310 95321 95327 95335 95346 95347 95364 95370 95372 95373 95375 95379 95383 95422 95423 95424 95426 95435 95443 95451 95453 95457 95458 95464 95485 95493 97501 97502 97503 97504 97520 97522 97524 97525 97530 97535 97536 97537 97539 97540 97541 99323 99324 99329 99348 99360 99361 99362 99363

Questions

What is the 2026 BAH for an E-5 at County Cost Group 840?
$2,322 a month with dependents and $1,896 without dependents, according to DTMO's 2026 rate files for MHA ZZ840.
How much is E-4 and E-6 BAH at County Cost Group 840?
E-4: $2,166 with dependents, $1,701 without. E-6: $2,655 with dependents, $2,022 without.
Did BAH go up at County Cost Group 840 in 2026?
With-dependents rates changed by +9.2% 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 840 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.