United States · BAH 2026 · County cost groups
County Cost Group 550 BAH rates 2026
In County Cost Group 550 (400 ZIP codes), 2026 BAH runs from $1,011 a month (E-1 without dependents) to $2,241 (O-7 and above with dependents). An E-5 with dependents gets $1,353 a month, not taxed.
County Cost Group 550 · E-5 · with dependents
$1,353 a month
$16,236 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,251 | $1,011 |
| E-2 | $1,251 | $1,011 |
| E-3 | $1,251 | $1,011 |
| E-4 | $1,251 | $1,011 |
| E-5 | $1,353 | $1,092 |
| E-6 | $1,650 | $1,236 |
| E-7 | $1,716 | $1,287 |
| E-8 | $1,788 | $1,416 |
| E-9 | $1,899 | $1,497 |
| W-1 | $1,668 | $1,251 |
| W-2 | $1,746 | $1,413 |
| W-3 | $1,839 | $1,509 |
| W-4 | $1,920 | $1,659 |
| W-5 | $2,025 | $1,731 |
| O-1E | $1,728 | $1,350 |
| O-2E | $1,824 | $1,479 |
| O-3E | $1,935 | $1,641 |
| O-1 | $1,395 | $1,149 |
| O-2 | $1,647 | $1,323 |
| O-3 | $1,836 | $1,539 |
| O-4 | $2,055 | $1,713 |
| O-5 | $2,214 | $1,749 |
| O-6 | $2,229 | $1,815 |
| O-7 and above | $2,241 | $1,845 |
What is take-home pay with BAH in County Cost Group 550?
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 | $1,011.00 | $1,251.00 | $1,539.00 | $1,836.00 |
| 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 | $4,467.73 | $4,864.04 | $7,797.04 | $8,459.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in County Cost Group 550?
DTMO’s 2026 list maps 400 ZIP codes to this county cost group (ZZ550). BAH is set by the ZIP code of your duty station.
Show all 400 ZIP codes
242xx: 24224, 24225, 24237, 24260, 24266, 24280
246xx: 24649
261xx: 26101, 26102, 26103, 26104, 26105, 26106, 26120, 26121, 26133, 26138, 26141, 26142, 26143, 26150, 26155, 26159, 26160, 26162, 26167, 26169, 26180, 26181, 26184, 26187
263xx: 26348, 26377
264xx: 26419, 26437
265xx: 26561, 26562, 26575, 26581
278xx: 27825, 27840, 27841, 27846, 27857, 27861, 27871, 27892
286xx: 28615, 28617, 28626, 28629, 28631, 28640, 28643, 28672, 28684, 28693, 28694
373xx: 37301, 37305, 37313, 37321, 37332, 37337, 37338, 37339, 37356, 37365, 37366, 37381, 37387
377xx: 37707, 37713, 37715, 37722, 37724, 37727, 37730, 37752, 37753, 37773
378xx: 37821, 37822, 37824, 37825, 37843, 37851, 37867, 37870, 37879
383xx: 38326, 38327, 38328, 38345, 38351, 38361, 38365, 38368, 38370, 38371, 38372, 38376, 38388
384xx: 38475
385xx: 38549, 38585
387xx: 38701, 38702, 38703, 38704, 38722, 38723, 38731, 38744, 38748, 38756, 38760, 38776, 38780, 38782
394xx: 39452
500xx: 50002
501xx: 50150
505xx: 50515, 50527, 50528, 50536, 50562, 50597
508xx: 50837, 50839, 50841, 50846, 50849, 50857, 50858, 50859
513xx: 51342, 51358
525xx: 52531, 52535, 52542, 52551, 52565, 52569, 52570, 52573, 52588
526xx: 52620, 52626, 52651
570xx: 57029, 57045, 57052
572xx: 57221, 57223, 57234, 57241, 57242, 57248
573xx: 57331, 57354, 57366, 57376
620xx: 62009, 62011, 62012, 62014, 62023, 62033, 62069, 62079, 62080, 62085, 62088, 62093
624xx: 62418, 62446, 62458, 62471
626xx: 62626, 62630, 62640, 62649, 62667, 62672, 62674, 62683, 62685, 62690
628xx: 62809, 62812, 62819, 62822, 62823, 62825, 62836, 62837, 62838, 62840, 62842, 62843, 62850, 62851, 62856, 62865, 62874, 62878, 62880, 62884, 62885, 62886, 62890, 62891, 62895, 62896, 62897
629xx: 62909, 62912, 62917, 62923, 62930, 62935, 62939, 62943, 62946, 62965, 62967, 62972, 62977, 62983, 62985, 62987, 62995, 62999
634xx: 63436, 63459, 63462, 63467
636xx: 63645, 63655
647xx: 64728, 64741, 64744, 64750, 64756, 64765, 64767, 64771, 64772, 64778, 64783, 64784, 64790
656xx: 65607
657xx: 65785
660xx: 66014, 66015, 66032, 66033, 66039, 66091, 66093
664xx: 66404, 66408, 66415, 66417, 66428
665xx: 66522, 66534, 66538, 66550
667xx: 66732, 66742, 66748, 66749, 66751, 66755, 66772
669xx: 66930, 66935, 66939, 66940, 66959, 66960, 66961, 66964, 66966
671xx: 67107
674xx: 67428, 67443, 67456, 67460, 67464, 67476, 67491
675xx: 67511, 67513, 67520, 67525, 67526, 67530, 67544, 67546, 67548, 67553, 67556, 67559, 67564, 67565, 67567, 67575
676xx: 67635, 67643, 67653
677xx: 67749, 67758, 67761, 67762
683xx: 68301, 68309, 68310, 68318, 68323, 68328, 68331, 68345, 68357, 68380, 68381
684xx: 68415, 68420, 68422, 68441, 68447, 68452, 68458, 68466
686xx: 68665
687xx: 68711, 68713, 68725, 68734, 68735, 68742, 68763, 68766, 68780
688xx: 68842, 68875, 68882
689xx: 68933, 68934, 68935, 68938, 68941, 68943, 68944, 68954, 68957, 68961, 68964, 68974, 68975, 68978, 68979, 68980
691xx: 69125
693xx: 69331, 69334, 69336
716xx: 71655, 71656, 71657, 71675, 71677
724xx: 72413, 72444, 72449, 72455, 72460, 72462, 72478
726xx: 72613, 72616, 72631, 72632, 72638, 72660
738xx: 73834, 73848, 73851, 73855
745xx: 74531, 74570
748xx: 74827, 74839, 74848, 74850, 74883
How does County Cost Group 550 BAH compare?
For an E-5 with dependents, County Cost Group 550 pays $1,353 a month: number 322 of 338 housing areas, and $708 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 540 E-5 with dependents $1,344
- 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 550
What is E-5 BAH in County Cost Group 550 for 2026?
$1,353 a month with dependents and $1,092 without ($16,236 and $13,104 a year). That ranks 322 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 550?
An O-3 gets $1,836 a month with dependents and $1,539 without in 2026. A W-2 gets $1,746 and $1,413.
How much BAH does an E-1 get in County Cost Group 550?
$1,251 a month with dependents and $1,011 without. E-1 to E-4 get the same rates here.
Which ZIP codes use County Cost Group 550 BAH rates?
400 ZIP codes in DTMO’s 2026 list map to this housing area (ZZ550): 24224, 24225, 24237, 24260, 24266 and 395 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in County Cost Group 550 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 $4,970.35 a month here with allowances and takes home about $4,467.73. 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 550 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.