United States · BAH 2026 · County cost groups
County Cost Group 610 BAH rates 2026
In County Cost Group 610 (354 ZIP codes), 2026 BAH runs from $1,053 a month (E-1 without dependents) to $2,319 (O-7 and above with dependents). An E-5 with dependents gets $1,410 a month, not taxed.
County Cost Group 610 · E-5 · with dependents
$1,410 a month
$16,920 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,308 | $1,053 |
| E-2 | $1,308 | $1,053 |
| E-3 | $1,308 | $1,053 |
| E-4 | $1,308 | $1,053 |
| E-5 | $1,410 | $1,143 |
| E-6 | $1,710 | $1,281 |
| E-7 | $1,779 | $1,335 |
| E-8 | $1,854 | $1,476 |
| E-9 | $1,965 | $1,557 |
| W-1 | $1,728 | $1,296 |
| W-2 | $1,809 | $1,473 |
| W-3 | $1,905 | $1,572 |
| W-4 | $1,989 | $1,722 |
| W-5 | $2,097 | $1,794 |
| O-1E | $1,791 | $1,407 |
| O-2E | $1,890 | $1,539 |
| O-3E | $2,004 | $1,701 |
| O-1 | $1,455 | $1,200 |
| O-2 | $1,707 | $1,380 |
| O-3 | $1,902 | $1,599 |
| O-4 | $2,127 | $1,776 |
| O-5 | $2,292 | $1,815 |
| O-6 | $2,307 | $1,881 |
| O-7 and above | $2,319 | $1,911 |
What is take-home pay with BAH in County Cost Group 610?
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 | $1,053.00 | $1,308.00 | $1,599.00 | $1,902.00 |
| 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 | $4,509.73 | $4,921.04 | $7,857.04 | $8,525.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in County Cost Group 610?
DTMO’s 2026 list maps 354 ZIP codes to this county cost group (ZZ610). BAH is set by the ZIP code of your duty station.
Show all 354 ZIP codes
155xx: 15536
166xx: 16689, 16691
172xx: 17212, 17215, 17223, 17228, 17229, 17233, 17238, 17267
238xx: 23821, 23843, 23845, 23856, 23857, 23868, 23873, 23876, 23887, 23889, 23893
239xx: 23920
240xx: 24069
241xx: 24139, 24161
245xx: 24527, 24530, 24531, 24540, 24541, 24543, 24549, 24557, 24563, 24565, 24566, 24586, 24594
263xx: 26347, 26354
264xx: 26424, 26435, 26440
272xx: 27212, 27291
273xx: 27305, 27311, 27314, 27315, 27379
280xx: 28017, 28018, 28019, 28020, 28024, 28038, 28040, 28042, 28043, 28073, 28074, 28076, 28086, 28089, 28090
281xx: 28114, 28136, 28139, 28150, 28151, 28152, 28160, 28167, 28169
287xx: 28720, 28746
317xx: 31727, 31733, 31775, 31793, 31794, 31795
371xx: 37144
373xx: 37328, 37334, 37335, 37348, 37359
380xx: 38037, 38040, 38041, 38063
384xx: 38453, 38459, 38488
396xx: 39632, 39635, 39648, 39649, 39652, 39657, 39666
397xx: 39759, 39760, 39762, 39769
403xx: 40385
404xx: 40403, 40404, 40405, 40475, 40476
430xx: 43076
433xx: 43326, 43340, 43345, 43346
437xx: 43716, 43730, 43731, 43739, 43747, 43748, 43752, 43754, 43757, 43760, 43761, 43764, 43766, 43782, 43783, 43786, 43793
439xx: 43907, 43914, 43915, 43931, 43946, 43973, 43974, 43976, 43981, 43984, 43986, 43988
446xx: 44693, 44695, 44699
448xx: 44802, 44807, 44809, 44815, 44818, 44828, 44830, 44836, 44841, 44845, 44853, 44861, 44867, 44883
451xx: 45123, 45132, 45133, 45135, 45142, 45155, 45172
456xx: 45613, 45621, 45624, 45640, 45642, 45646, 45656, 45661, 45683, 45687, 45690, 45692
457xx: 45734
458xx: 45810, 45812, 45835, 45836, 45843, 45859
469xx: 46932, 46942, 46947, 46950, 46961, 46967, 46978, 46988, 46994, 46998
475xx: 47501, 47519, 47529, 47558, 47562, 47568
504xx: 50401, 50402, 50428, 50433, 50457, 50464, 50467, 50469, 50477, 50479, 50482
514xx: 51446, 51447
515xx: 51527, 51530, 51531, 51537, 51562, 51565, 51570, 51578, 51593
516xx: 51639, 51640, 51645, 51648, 51649, 51650, 51652, 51653, 51654
526xx: 52619, 52624, 52625, 52627, 52631, 52632, 52639, 52648, 52656, 52657, 52658
541xx: 54101, 54124, 54138, 54139, 54141, 54149, 54153, 54154, 54171, 54174, 54175
548xx: 54814, 54816, 54821, 54827, 54832, 54839, 54844, 54847, 54856, 54865, 54891
561xx: 56113, 56136, 56142, 56149, 56178
564xx: 56434, 56464, 56477, 56479, 56481, 56482
565xx: 56520, 56522, 56543, 56553, 56565, 56579, 56594
567xx: 56715, 56742, 56748, 56750
573xx: 57317, 57335
575xx: 57523, 57528, 57529, 57533, 57534, 57538, 57541, 57571, 57580, 57584
619xx: 61912, 61920, 61931, 61938, 61943
624xx: 62440, 62469
674xx: 67401, 67402, 67416, 67425, 67442, 67448, 67470
680xx: 68004
683xx: 68316, 68319, 68367, 68371
684xx: 68401, 68460, 68467
687xx: 68716, 68738, 68747, 68765, 68767, 68769, 68788, 68791
690xx: 69023, 69027, 69033, 69045
764xx: 76483, 76491
766xx: 76634, 76637, 76644, 76649, 76652, 76665, 76671, 76690
769xx: 76950
792xx: 79225, 79252
807xx: 80737, 80744, 80749
How does County Cost Group 610 BAH compare?
For an E-5 with dependents, County Cost Group 610 pays $1,410 a month: number 304 of 338 housing areas, and $651 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 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 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 610
What is E-5 BAH in County Cost Group 610 for 2026?
$1,410 a month with dependents and $1,143 without ($16,920 and $13,716 a year). That ranks 304 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 610?
An O-3 gets $1,902 a month with dependents and $1,599 without in 2026. A W-2 gets $1,809 and $1,473.
How much BAH does an E-1 get in County Cost Group 610?
$1,308 a month with dependents and $1,053 without. E-1 to E-4 get the same rates here.
Which ZIP codes use County Cost Group 610 BAH rates?
354 ZIP codes in DTMO’s 2026 list map to this housing area (ZZ610): 15536, 16689, 16691, 17212, 17215 and 349 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in County Cost Group 610 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 $5,012.35 a month here with allowances and takes home about $4,509.73. 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 610 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.