United States · BAH 2026 · County cost groups
County Cost Group 540 BAH rates 2026
In County Cost Group 540 (366 ZIP codes), 2026 BAH runs from $1,005 a month (E-1 without dependents) to $2,232 (O-7 and above with dependents). An E-5 with dependents gets $1,344 a month, not taxed.
County Cost Group 540 · E-5 · with dependents
$1,344 a month
$16,128 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,242 | $1,005 |
| E-2 | $1,242 | $1,005 |
| E-3 | $1,242 | $1,005 |
| E-4 | $1,242 | $1,005 |
| E-5 | $1,344 | $1,086 |
| E-6 | $1,641 | $1,230 |
| E-7 | $1,707 | $1,281 |
| E-8 | $1,782 | $1,407 |
| E-9 | $1,890 | $1,488 |
| W-1 | $1,659 | $1,245 |
| W-2 | $1,737 | $1,404 |
| W-3 | $1,830 | $1,503 |
| W-4 | $1,911 | $1,650 |
| W-5 | $2,016 | $1,722 |
| O-1E | $1,719 | $1,341 |
| O-2E | $1,815 | $1,470 |
| O-3E | $1,926 | $1,632 |
| O-1 | $1,386 | $1,140 |
| O-2 | $1,638 | $1,314 |
| O-3 | $1,827 | $1,530 |
| O-4 | $2,046 | $1,704 |
| O-5 | $2,205 | $1,740 |
| O-6 | $2,220 | $1,806 |
| O-7 and above | $2,232 | $1,836 |
What is take-home pay with BAH in County Cost Group 540?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. County cost groups are not tied to one state in DTMO’s list, so these examples leave out state tax: it depends on your state of legal residence.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $1,005.00 | $1,242.00 | $1,530.00 | $1,827.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | not included | not included | not included | not included |
| Take-home a month | $4,461.73 | $4,855.04 | $7,788.04 | $8,450.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in County Cost Group 540?
DTMO’s 2026 list maps 366 ZIP codes to this county cost group (ZZ540). BAH is set by the ZIP code of your duty station.
Show all 366 ZIP codes
247xx: 24701, 24712, 24714, 24715, 24724, 24729, 24731, 24732, 24733, 24736, 24737, 24738, 24739, 24740, 24747, 24751
249xx: 24910, 24918, 24941, 24945, 24951, 24963, 24974, 24976, 24983, 24984, 24985, 24993
252xx: 25267
258xx: 25820, 25841
259xx: 25922, 25971
263xx: 26342, 26351, 26384
264xx: 26430, 26443
266xx: 26611, 26636, 26638
278xx: 27818, 27855
279xx: 27910, 27922, 27942, 27986
287xx: 28737, 28749, 28752, 28761, 28762
290xx: 29056
293xx: 29340, 29341, 29342
295xx: 29518, 29556, 29564, 29580, 29590
296xx: 29620, 29628, 29638, 29639
297xx: 29702
371xx: 37110, 37111
373xx: 37357, 37378, 37394
380xx: 38077, 38079, 38080
382xx: 38222, 38223, 38224, 38231, 38236, 38242, 38251, 38256
385xx: 38550, 38581
386xx: 38606, 38614, 38617, 38619, 38620, 38621, 38622, 38623, 38631, 38639, 38643, 38644, 38645, 38646, 38658, 38665, 38666
387xx: 38739, 38767
389xx: 38964
390xx: 39051, 39074, 39080, 39087, 39092, 39094, 39098
391xx: 39109, 39117, 39152, 39171, 39189
393xx: 39359
403xx: 40311, 40350
404xx: 40410, 40444, 40461
409xx: 40981
413xx: 41367
417xx: 41701, 41702, 41712, 41713, 41719, 41721, 41722, 41723, 41727, 41729, 41731, 41735, 41736, 41739, 41745, 41746, 41751, 41754, 41760, 41763, 41773, 41774, 41778
420xx: 42025, 42029, 42044, 42048
422xx: 42204, 42216, 42220, 42234, 42280, 42286
461xx: 46104, 46115, 46127, 46146, 46148, 46150, 46155, 46156, 46173
469xx: 46910, 46912, 46922, 46931, 46935, 46939, 46945, 46975
473xx: 47337, 47344, 47351, 47352, 47356, 47360, 47361, 47362, 47366, 47384, 47385, 47386, 47387, 47388
475xx: 47553, 47581
500xx: 50008, 50052, 50060
501xx: 50123, 50147, 50149, 50165
502xx: 50254
508xx: 50801, 50830, 50831, 50842, 50861
512xx: 51232, 51249
513xx: 51345, 51350, 51354
521xx: 52101, 52132, 52133, 52144, 52149, 52161, 52165, 52168
522xx: 52205, 52212, 52252
523xx: 52305, 52310, 52312, 52320, 52321, 52323, 52362
525xx: 52583, 52590
572xx: 57217, 57225, 57236, 57258, 57271, 57278
573xx: 57322
582xx: 58210, 58227, 58229, 58231, 58233, 58237, 58243, 58250, 58261, 58270, 58273
610xx: 61037, 61071, 61081
612xx: 61230, 61243, 61250, 61251, 61252, 61261, 61270, 61277, 61283
624xx: 62434
628xx: 62824, 62839, 62858, 62879, 62899
629xx: 62901, 62902, 62903, 62907, 62916, 62924, 62927, 62932, 62940, 62942, 62950, 62958, 62966, 62975, 62994
639xx: 63931, 63935, 63939, 63942, 63953, 63955
667xx: 66761, 66777, 66783
674xx: 67420, 67422, 67430, 67436, 67446, 67452, 67467, 67478, 67484, 67485
678xx: 67871, 67880
683xx: 68303, 68315, 68322, 68325, 68326, 68327, 68335, 68337, 68340, 68355, 68362, 68370, 68375, 68376
684xx: 68429, 68431, 68433, 68437, 68442, 68457
686xx: 68638, 68640, 68651, 68654, 68662, 68666
688xx: 68815, 68837, 68859, 68862
690xx: 69001, 69020, 69026, 69034, 69036
691xx: 69147, 69148, 69154, 69163
712xx: 71218, 71232, 71259, 71269, 71279
743xx: 74331, 74335, 74339, 74343, 74354, 74355, 74358, 74360, 74363, 74370
744xx: 74440, 74462, 74472
745xx: 74525, 74533, 74540, 74552, 74555, 74569
749xx: 74941, 74943, 74944
How does County Cost Group 540 BAH compare?
For an E-5 with dependents, County Cost Group 540 pays $1,344 a month: number 323 of 338 housing areas, and $717 below the middle of all areas ($2,061). The other county cost groups:
- County Cost Group 510 E-5 with dependents $1,329
- County Cost Group 520 E-5 with dependents $1,332
- County Cost Group 530 E-5 with dependents $1,338
- County Cost Group 550 E-5 with dependents $1,353
- County Cost Group 560 E-5 with dependents $1,362
- County Cost Group 570 E-5 with dependents $1,371
- County Cost Group 580 E-5 with dependents $1,380
- County Cost Group 590 E-5 with dependents $1,392
- County Cost Group 600 E-5 with dependents $1,404
- County Cost Group 610 E-5 with dependents $1,410
- County Cost Group 620 E-5 with dependents $1,419
- County Cost Group 630 E-5 with dependents $1,425
- County Cost Group 640 E-5 with dependents $1,434
- County Cost Group 650 E-5 with dependents $1,443
- County Cost Group 660 E-5 with dependents $1,449
- County Cost Group 670 E-5 with dependents $1,461
- County Cost Group 680 E-5 with dependents $1,470
- County Cost Group 690 E-5 with dependents $1,482
- County Cost Group 700 E-5 with dependents $1,497
- County Cost Group 710 E-5 with dependents $1,515
- County Cost Group 720 E-5 with dependents $1,536
- County Cost Group 730 E-5 with dependents $1,557
- County Cost Group 740 E-5 with dependents $1,590
- County Cost Group 750 E-5 with dependents $1,638
- County Cost Group 760 E-5 with dependents $1,686
- County Cost Group 770 E-5 with dependents $1,752
- County Cost Group 780 E-5 with dependents $1,815
- County Cost Group 790 E-5 with dependents $1,890
- County Cost Group 800 E-5 with dependents $1,962
- County Cost Group 810 E-5 with dependents $2,064
- County Cost Group 820 E-5 with dependents $2,160
- County Cost Group 830 E-5 with dependents $2,250
- County Cost Group 840 E-5 with dependents $2,322
- County Cost Group 850 E-5 with dependents $2,409
- County Cost Group 860 E-5 with dependents $2,487
- County Cost Group 870 E-5 with dependents $2,652
- County Cost Group 880 E-5 with dependents $2,850
- County Cost Group 890 E-5 with dependents $3,156
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: state tax, local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
Questions about BAH in County Cost Group 540
What is E-5 BAH in County Cost Group 540 for 2026?
$1,344 a month with dependents and $1,086 without ($16,128 and $13,032 a year). That ranks 323 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in County Cost Group 540?
An O-3 gets $1,827 a month with dependents and $1,530 without in 2026. A W-2 gets $1,737 and $1,404.
How much BAH does an E-1 get in County Cost Group 540?
$1,242 a month with dependents and $1,005 without. E-1 to E-4 get the same rates here.
Which ZIP codes use County Cost Group 540 BAH rates?
366 ZIP codes in DTMO’s 2026 list map to this housing area (ZZ540): 24701, 24712, 24714, 24715, 24724 and 361 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in County Cost Group 540 taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $4,964.35 a month here with allowances and takes home about $4,461.73. County cost groups are not tied to one state in DTMO’s list, so these examples leave out state tax: it depends on your state of legal residence.
When will County Cost Group 540 BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.