Military BAHRATES

2026 Basic Allowance for Housing · ZZ870

BAH rates for County Cost Group 870, 2026

County Cost Group 870

ZZ870 · 2026 BAH

$2,652/mo

E-5 · with dependents

$31,824 a year · +6.6% vs 2025

Without dependents: $2,172/mo

Dependency status

County Cost Group 870 (code ZZ870) sets BAH for 238 ZIP codes outside DTMO's surveyed housing areas, mostly in New Hampshire, Texas, New York, Arizona, New Jersey, Washington. In 2026 an E-5 with dependents there receives $2,652 a month; without dependents, $2,172.

$2,478
Lowest grade
E-1 with dependents; O-7+ gets $3,945
+6.8%
Avg change vs 2025
all 24 grades, with dependents
#3 of 39
E-5 rank
$1,155 above the median of county cost groups
238
ZIP codes
mapped to ZZ870 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)
$2,478
$1,938
+6.6%
E-2Private (PV2) (Army), Airman (AF)
$2,478
$1,938
+6.6%
E-3Private First Class (Army), Airman First Class (AF)
$2,478
$1,938
+6.6%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$2,478
$1,938
+6.6%
E-5Sergeant (Army), Staff Sergeant (AF)
$2,652
$2,172
+6.6%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$2,997
$2,319
+6.5%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$3,096
$2,484
+6.7%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$3,204
$2,727
+7.1%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$3,372
$2,823
+7.3%
W-1Warrant Officer 1 / Warrant Officer 1
$3,018
$2,430
+6.6%
W-2Chief Warrant Officer 2
$3,141
$2,724
+6.8%
W-3Chief Warrant Officer 3
$3,273
$2,838
+7.2%
W-4Chief Warrant Officer 4
$3,408
$3,015
+7.1%
W-5Chief Warrant Officer 5
$3,573
$3,120
+7.0%
O-1EO-1 with 4+ yrs prior enlisted service
$3,114
$2,649
+6.9%
O-2EO-2 with 4+ yrs prior enlisted service
$3,252
$2,802
+7.0%
O-3EO-3 with 4+ yrs prior enlisted service
$3,432
$2,991
+7.1%
O-1Second Lieutenant
$2,700
$2,301
+6.6%
O-2First Lieutenant
$2,994
$2,598
+6.5%
O-3Captain
$3,270
$2,871
+7.2%
O-4Major
$3,627
$3,096
+7.0%
O-5Lieutenant Colonel
$3,882
$3,153
+6.9%
O-6Colonel
$3,915
$3,252
+7.0%
O-7+O-7 and above
$3,945
$3,309
+6.9%

BAH since 2022

E-5 with dependents moved from $2,094 in 2022 to $2,652 in 2026 (+26.6%).

Monthly BAH in County Cost Group 870, 2022–2026

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

E-5O-3
$2,000$2,500$3,000$3,50020222023202420252026E-5 with dependents 2022: $2,094E-5 with dependents 2023: $2,226E-5 with dependents 2024: $2,463E-5 with dependents 2025: $2,487E-5 with dependents 2026: $2,652O-3 with dependents 2022: $2,547O-3 with dependents 2023: $2,745O-3 with dependents 2024: $3,030O-3 with dependents 2025: $3,051O-3 with dependents 2026: $3,270$3,270O-3 with dependents$2,652E-5 with dependents
$2,000$2,500$3,000$3,500202220242026E-5 with dependents 2022: $2,094E-5 with dependents 2023: $2,226E-5 with dependents 2024: $2,463E-5 with dependents 2025: $2,487E-5 with dependents 2026: $2,652O-3 with dependents 2022: $2,547O-3 with dependents 2023: $2,745O-3 with dependents 2024: $3,030O-3 with dependents 2025: $3,051O-3 with dependents 2026: $3,270$3,270$2,652
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$1,965$2,079$2,289$2,325$2,478+26.1%
E-2$1,965$2,079$2,289$2,325$2,478+26.1%
E-3$1,965$2,079$2,289$2,325$2,478+26.1%
E-4$1,965$2,079$2,289$2,325$2,478+26.1%
E-5$2,094$2,226$2,463$2,487$2,652+26.6%
E-6$2,352$2,529$2,793$2,814$2,997+27.4%
E-7$2,424$2,607$2,880$2,901$3,096+27.7%
E-8$2,505$2,691$2,973$2,991$3,204+27.9%
E-9$2,634$2,829$3,123$3,144$3,372+28.0%
W-1$2,370$2,547$2,811$2,832$3,018+27.3%
W-2$2,460$2,643$2,919$2,940$3,141+27.7%
W-3$2,553$2,748$3,033$3,054$3,273+28.2%
W-4$2,664$2,865$3,159$3,183$3,408+27.9%
W-5$2,793$3,003$3,312$3,339$3,573+27.9%
O-1E$2,442$2,619$2,892$2,913$3,114+27.5%
O-2E$2,538$2,730$3,015$3,039$3,252+28.1%
O-3E$2,679$2,880$3,180$3,204$3,432+28.1%
O-1$2,130$2,268$2,511$2,532$2,700+26.8%
O-2$2,355$2,526$2,790$2,811$2,994+27.1%
O-3$2,547$2,745$3,030$3,051$3,270+28.4%
O-4$2,835$3,048$3,363$3,390$3,627+27.9%
O-5$3,042$3,267$3,600$3,630$3,882+27.6%
O-6$3,066$3,297$3,630$3,660$3,915+27.7%
O-7+$3,090$3,321$3,660$3,690$3,945+27.7%

Without dependents

Grade20222023202420252026Change
E-1$1,524$1,602$1,755$1,800$1,938+27.2%
E-2$1,524$1,602$1,755$1,800$1,938+27.2%
E-3$1,524$1,602$1,755$1,800$1,938+27.2%
E-4$1,524$1,602$1,755$1,800$1,938+27.2%
E-5$1,728$1,809$1,986$2,031$2,172+25.7%
E-6$1,848$1,941$2,130$2,175$2,319+25.5%
E-7$1,968$2,079$2,295$2,331$2,484+26.2%
E-8$2,142$2,289$2,535$2,556$2,727+27.3%
E-9$2,223$2,373$2,625$2,646$2,823+27.0%
W-1$1,932$2,040$2,241$2,280$2,430+25.8%
W-2$2,148$2,286$2,532$2,553$2,724+26.8%
W-3$2,232$2,382$2,640$2,658$2,838+27.2%
W-4$2,370$2,544$2,811$2,829$3,015+27.2%
W-5$2,442$2,625$2,898$2,922$3,120+27.8%
O-1E$2,094$2,220$2,460$2,484$2,649+26.5%
O-2E$2,208$2,355$2,604$2,625$2,802+26.9%
O-3E$2,349$2,520$2,784$2,805$2,991+27.3%
O-1$1,836$1,929$2,115$2,160$2,301+25.3%
O-2$2,052$2,178$2,406$2,436$2,598+26.6%
O-3$2,259$2,415$2,670$2,694$2,871+27.1%
O-4$2,424$2,604$2,877$2,898$3,096+27.7%
O-5$2,466$2,652$2,931$2,949$3,153+27.9%
O-6$2,538$2,730$3,012$3,036$3,252+28.1%
O-7+$2,571$2,772$3,063$3,090$3,309+28.7%

How County Cost Group 870 compares

E-5 with dependents is #3 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 850: $2,409County Cost Group 860: $2,487County Cost Group 880: $2,850County Cost Group 890: $3,156Lowest $1,329Median $1,497Highest $3,156County Cost Group 870$2,652
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 850: $2,409County Cost Group 860: $2,487County Cost Group 880: $2,850County Cost Group 890: $3,156Lowest $1,329Median $1,497Highest $3,156County Cost Group 870$2,652
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 ZZ870 (largest overlap per ZIP, Census 2020 ZCTA file), with ZIP counts.

  • Grafton County, NH 36
  • Dutchess County, NY 34
  • Cheshire County, NH 25
  • Coconino County, AZ 24
  • Warren County, NJ 16
  • Whatcom County, WA 15
  • Ellis County, TX 13
  • Hunt County, TX 10
  • Kaufman County, TX 8
  • Bastrop County, TX 8

and 8 more counties.

All 238 ZIP codes in this housing area

03215 03217 03222 03223 03238 03240 03241 03245 03251 03262 03264 03266 03279 03282 03285 03293 03431 03435 03441 03443 03444 03445 03446 03447 03448 03450 03451 03452 03455 03456 03457 03461 03462 03464 03465 03466 03467 03469 03470 03561 03574 03580 03585 03586 03602 03604 03608 03609 03740 03741 03748 03749 03750 03755 03756 03765 03766 03768 03769 03771 03774 03777 03779 03780 03784 03785 05001 07820 07823 07825 07831 07832 07833 07838 07840 07844 07846 07863 07865 07880 07882 08808 08865 08886 12501 12504 12506 12507 12508 12510 12511 12512 12514 12522 12524 12527 12531 12533 12537 12538 12540 12545 12546 12564 12567 12569 12570 12571 12572 12574 12578 12580 12581 12582 12583 12585 12590 12592 12594 12601 12602 12603 12604 75032 75087 75101 75114 75118 75119 75120 75125 75126 75132 75135 75142 75143 75147 75152 75154 75157 75158 75160 75161 75165 75167 75168 75189 75401 75402 75403 75404 75422 75423 75428 75429 75453 75458 75474 75496 76041 76064 76065 76623 76651 76670 78602 78612 78616 78621 78622 78644 78648 78650 78655 78656 78659 78661 78662 78953 78957 84032 84049 84082 85931 86001 86002 86003 86004 86005 86011 86015 86016 86017 86018 86020 86022 86023 86024 86035 86036 86038 86040 86044 86045 86046 86052 86053 86339 86435 89437 97701 97702 97703 97707 97708 97709 97712 97739 97756 97759 98220 98225 98226 98227 98228 98229 98230 98231 98240 98244 98247 98248 98262 98264 98266 98276 98281 98295

Questions

What is the 2026 BAH for an E-5 at County Cost Group 870?
$2,652 a month with dependents and $2,172 without dependents, according to DTMO's 2026 rate files for MHA ZZ870.
How much is E-4 and E-6 BAH at County Cost Group 870?
E-4: $2,478 with dependents, $1,938 without. E-6: $2,997 with dependents, $2,319 without.
Did BAH go up at County Cost Group 870 in 2026?
With-dependents rates changed by +6.8% 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 870 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.