Military BAHRATES

2026 Basic Allowance for Housing · ZZ850

BAH rates for County Cost Group 850, 2026

County Cost Group 850

ZZ850 · 2026 BAH

$2,409/mo

E-5 · with dependents

$28,908 a year · +8.4% vs 2025

Without dependents: $1,968/mo

Dependency status

County Cost Group 850 (code ZZ850) sets BAH for 294 ZIP codes outside DTMO's surveyed housing areas, mostly in New York, California, Minnesota, Arizona, Wisconsin, New Jersey. In 2026 an E-5 with dependents there receives $2,409 a month; without dependents, $1,968.

$2,247
Lowest grade
E-1 with dependents; O-7+ gets $3,624
+8.3%
Avg change vs 2025
all 24 grades, with dependents
#5 of 39
E-5 rank
$912 above the median of county cost groups
294
ZIP codes
mapped to ZZ850 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)
$2,247
$1,764
+8.2%
E-2Private (PV2) (Army), Airman (AF)
$2,247
$1,764
+8.2%
E-3Private First Class (Army), Airman First Class (AF)
$2,247
$1,764
+8.2%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$2,247
$1,764
+8.2%
E-5Sergeant (Army), Staff Sergeant (AF)
$2,409
$1,968
+8.4%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$2,745
$2,100
+8.0%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$2,838
$2,253
+8.2%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$2,940
$2,481
+8.5%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$3,096
$2,574
+8.5%
W-1Warrant Officer 1 / Warrant Officer 1
$2,763
$2,205
+8.0%
W-2Chief Warrant Officer 2
$2,880
$2,478
+8.4%
W-3Chief Warrant Officer 3
$3,006
$2,589
+8.6%
W-4Chief Warrant Officer 4
$3,129
$2,763
+8.3%
W-5Chief Warrant Officer 5
$3,282
$2,859
+8.2%
O-1EO-1 with 4+ yrs prior enlisted service
$2,853
$2,406
+8.3%
O-2EO-2 with 4+ yrs prior enlisted service
$2,985
$2,553
+8.4%
O-3EO-3 with 4+ yrs prior enlisted service
$3,153
$2,736
+8.5%
O-1Second Lieutenant
$2,454
$2,085
+8.2%
O-2First Lieutenant
$2,742
$2,358
+8.0%
O-3Captain
$3,003
$2,619
+8.6%
O-4Major
$3,330
$2,838
+8.1%
O-5Lieutenant Colonel
$3,570
$2,892
+8.1%
O-6Colonel
$3,600
$2,982
+8.0%
O-7+O-7 and above
$3,624
$3,033
+8.0%

BAH since 2022

E-5 with dependents moved from $1,851 in 2022 to $2,409 in 2026 (+30.1%).

Monthly BAH in County Cost Group 850, 2022–2026

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

E-5O-3
$1,500$2,000$2,500$3,000$3,50020222023202420252026E-5 with dependents 2022: $1,851E-5 with dependents 2023: $2,061E-5 with dependents 2024: $2,142E-5 with dependents 2025: $2,223E-5 with dependents 2026: $2,409O-3 with dependents 2022: $2,274O-3 with dependents 2023: $2,565O-3 with dependents 2024: $2,676O-3 with dependents 2025: $2,766O-3 with dependents 2026: $3,003$3,003O-3 with dependents$2,409E-5 with dependents
$1,500$2,000$2,500$3,000$3,500202220242026E-5 with dependents 2022: $1,851E-5 with dependents 2023: $2,061E-5 with dependents 2024: $2,142E-5 with dependents 2025: $2,223E-5 with dependents 2026: $2,409O-3 with dependents 2022: $2,274O-3 with dependents 2023: $2,565O-3 with dependents 2024: $2,676O-3 with dependents 2025: $2,766O-3 with dependents 2026: $3,003$3,003$2,409
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$1,737$1,923$1,986$2,076$2,247+29.4%
E-2$1,737$1,923$1,986$2,076$2,247+29.4%
E-3$1,737$1,923$1,986$2,076$2,247+29.4%
E-4$1,737$1,923$1,986$2,076$2,247+29.4%
E-5$1,851$2,061$2,142$2,223$2,409+30.1%
E-6$2,094$2,355$2,454$2,541$2,745+31.1%
E-7$2,160$2,430$2,535$2,622$2,838+31.4%
E-8$2,235$2,514$2,622$2,709$2,940+31.5%
E-9$2,352$2,643$2,760$2,853$3,096+31.6%
W-1$2,112$2,373$2,475$2,559$2,763+30.8%
W-2$2,193$2,466$2,574$2,658$2,880+31.3%
W-3$2,280$2,568$2,679$2,769$3,006+31.8%
W-4$2,379$2,679$2,793$2,889$3,129+31.5%
W-5$2,496$2,808$2,934$3,033$3,282+31.5%
O-1E$2,175$2,442$2,547$2,634$2,853+31.2%
O-2E$2,265$2,550$2,661$2,754$2,985+31.8%
O-3E$2,394$2,694$2,814$2,907$3,153+31.7%
O-1$1,884$2,103$2,187$2,268$2,454+30.3%
O-2$2,094$2,352$2,451$2,538$2,742+30.9%
O-3$2,274$2,565$2,676$2,766$3,003+32.1%
O-4$2,535$2,853$2,979$3,081$3,330+31.4%
O-5$2,721$3,057$3,195$3,303$3,570+31.2%
O-6$2,742$3,084$3,222$3,333$3,600+31.3%
O-7+$2,763$3,108$3,246$3,357$3,624+31.2%

Without dependents

Grade20222023202420252026Change
E-1$1,347$1,482$1,524$1,611$1,764+31.0%
E-2$1,347$1,482$1,524$1,611$1,764+31.0%
E-3$1,347$1,482$1,524$1,611$1,764+31.0%
E-4$1,347$1,482$1,524$1,611$1,764+31.0%
E-5$1,524$1,671$1,719$1,812$1,968+29.1%
E-6$1,629$1,794$1,845$1,941$2,100+28.9%
E-7$1,737$1,923$1,992$2,079$2,253+29.7%
E-8$1,896$2,124$2,208$2,292$2,481+30.9%
E-9$1,971$2,205$2,295$2,376$2,574+30.6%
W-1$1,707$1,887$1,944$2,037$2,205+29.2%
W-2$1,902$2,121$2,205$2,289$2,478+30.3%
W-3$1,980$2,214$2,307$2,391$2,589+30.8%
W-4$2,109$2,370$2,472$2,553$2,763+31.0%
W-5$2,175$2,448$2,553$2,643$2,859+31.4%
O-1E$1,851$2,055$2,139$2,220$2,406+30.0%
O-2E$1,956$2,187$2,277$2,358$2,553+30.5%
O-3E$2,091$2,346$2,448$2,532$2,736+30.8%
O-1$1,617$1,782$1,830$1,926$2,085+28.9%
O-2$1,815$2,016$2,091$2,178$2,358+29.9%
O-3$2,004$2,247$2,337$2,424$2,619+30.7%
O-4$2,160$2,427$2,532$2,622$2,838+31.4%
O-5$2,199$2,478$2,583$2,667$2,892+31.5%
O-6$2,265$2,553$2,658$2,751$2,982+31.7%
O-7+$2,292$2,592$2,703$2,799$3,033+32.3%

How County Cost Group 850 compares

E-5 with dependents is #5 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 840: $2,322County 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 850$2,409
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 840: $2,322County 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 850$2,409
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 ZZ850 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Ulster County, NY 51
  • Yavapai County, AZ 27
  • Shasta County, CA 24
  • Cumberland County, NJ 18
  • Tompkins County, NY 13
  • Wright County, MN 12
  • St. Croix County, WI 11
  • Amador County, CA 11
  • Pierce County, WI 10
  • Chisago County, MN 9

and 22 more counties.

All 294 ZIP codes in this housing area

08302 08311 08313 08314 08315 08316 08320 08321 08323 08324 08327 08329 08332 08345 08348 08349 08352 08353 08360 08361 08362 12401 12402 12404 12409 12410 12411 12412 12416 12417 12419 12420 12428 12429 12432 12433 12435 12440 12441 12443 12446 12448 12449 12453 12456 12457 12458 12461 12464 12465 12466 12471 12472 12475 12477 12480 12481 12483 12484 12486 12487 12489 12490 12491 12493 12494 12495 12498 12515 12525 12528 12542 12547 12548 12561 12568 12588 12589 13053 13062 13068 13073 13102 14817 14850 14851 14852 14853 14854 14867 14881 14882 14886 27207 27208 27213 27228 27252 27256 27312 27344 27559 28079 28103 28104 28108 28110 28111 28112 28173 28174 31303 31307 31312 31318 31326 31329 54002 54003 54007 54011 54013 54014 54015 54016 54017 54021 54022 54023 54025 54027 54028 54082 54723 54740 54750 54761 54767 55006 55008 55012 55013 55017 55029 55032 55040 55045 55056 55069 55074 55078 55079 55080 55084 55092 55301 55302 55308 55309 55313 55319 55320 55321 55328 55330 55341 55349 55358 55362 55363 55373 55376 55377 55382 55390 55398 56304 59018 59020 59027 59030 59047 59065 59081 59082 59086 81325 81423 81426 81430 81435 83001 83002 83011 83012 83013 83014 83025 83414 85324 85332 85362 86301 86302 86303 86304 86305 86312 86313 86314 86315 86320 86321 86322 86323 86324 86325 86326 86327 86329 86331 86332 86333 86334 86335 86336 86337 86338 86340 86341 86342 86343 86351 95601 95629 95640 95642 95644 95654 95665 95666 95669 95675 95685 95689 95699 96001 96002 96003 96007 96008 96011 96013 96016 96017 96019 96022 96028 96033 96040 96047 96049 96051 96056 96062 96065 96069 96070 96071 96073 96076 96079 96084 96087 96088 96089 96095 96096 96099 97001 97021 97037 97040 97057 97058 97063 98243 98245 98250 98261 98279 98280 98286 98297

Questions

What is the 2026 BAH for an E-5 at County Cost Group 850?
$2,409 a month with dependents and $1,968 without dependents, according to DTMO's 2026 rate files for MHA ZZ850.
How much is E-4 and E-6 BAH at County Cost Group 850?
E-4: $2,247 with dependents, $1,764 without. E-6: $2,745 with dependents, $2,100 without.
Did BAH go up at County Cost Group 850 in 2026?
With-dependents rates changed by +8.3% 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 850 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.