United States · BAH 2026 · County cost groups
County Cost Group 640 BAH rates 2026
In County Cost Group 640 (509 ZIP codes), 2026 BAH runs from $1,071 a month (E-1 without dependents) to $2,349 (O-7 and above with dependents). An E-5 with dependents gets $1,434 a month, not taxed.
County Cost Group 640 · E-5 · with dependents
$1,434 a month
$17,208 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,329 | $1,071 |
| E-2 | $1,329 | $1,071 |
| E-3 | $1,329 | $1,071 |
| E-4 | $1,329 | $1,071 |
| E-5 | $1,434 | $1,161 |
| E-6 | $1,734 | $1,299 |
| E-7 | $1,803 | $1,353 |
| E-8 | $1,878 | $1,500 |
| E-9 | $1,992 | $1,581 |
| W-1 | $1,752 | $1,314 |
| W-2 | $1,833 | $1,497 |
| W-3 | $1,929 | $1,593 |
| W-4 | $2,013 | $1,746 |
| W-5 | $2,124 | $1,821 |
| O-1E | $1,815 | $1,431 |
| O-2E | $1,914 | $1,563 |
| O-3E | $2,031 | $1,725 |
| O-1 | $1,476 | $1,221 |
| O-2 | $1,731 | $1,404 |
| O-3 | $1,926 | $1,623 |
| O-4 | $2,154 | $1,800 |
| O-5 | $2,319 | $1,839 |
| O-6 | $2,337 | $1,908 |
| O-7 and above | $2,349 | $1,938 |
What is take-home pay with BAH in County Cost Group 640?
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 | $1,071.00 | $1,329.00 | $1,623.00 | $1,926.00 |
| 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 | $4,527.73 | $4,942.04 | $7,881.04 | $8,549.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in County Cost Group 640?
DTMO’s 2026 list maps 509 ZIP codes to this county cost group (ZZ640). BAH is set by the ZIP code of your duty station.
Show all 509 ZIP codes
140xx: 14029, 14041, 14042, 14060, 14065, 14070
141xx: 14101, 14129, 14133, 14138, 14168, 14171, 14173
147xx: 14706, 14707, 14708, 14709, 14711, 14714, 14715, 14717, 14719, 14721, 14726, 14727, 14729, 14730, 14731, 14735, 14737, 14739, 14741, 14743, 14744, 14745, 14748, 14751, 14753, 14754, 14755, 14760, 14766, 14770, 14772, 14774, 14777, 14778, 14779, 14783, 14786, 14788
148xx: 14802, 14803, 14804, 14806, 14813, 14822, 14880, 14884, 14895, 14897
170xx: 17014, 17021, 17035, 17049, 17056, 17058, 17059, 17076, 17082, 17086, 17094
243xx: 24317, 24325, 24328, 24333, 24343, 24351, 24352, 24381
250xx: 25007, 25008, 25044, 25048, 25060, 25062
251xx: 25140, 25174, 25180
255xx: 25507, 25511, 25512, 25514, 25517, 25530, 25534, 25535, 25555, 25562, 25570
256xx: 25669, 25699
257xx: 25704
258xx: 25801, 25802, 25813, 25817, 25818, 25823, 25825, 25827, 25832, 25836, 25839, 25843, 25844, 25849, 25851, 25853, 25857, 25860, 25865, 25871, 25873, 25878
259xx: 25902, 25906, 25908, 25909, 25911, 25915, 25918, 25919, 25920, 25921, 25927, 25932, 25989
283xx: 28330, 28338, 28345, 28347, 28363, 28367, 28379, 28380
286xx: 28604, 28606, 28616, 28622, 28624, 28635, 28646, 28649, 28651, 28652, 28653, 28654, 28656, 28657, 28659, 28662, 28664, 28665, 28669, 28670, 28683, 28685, 28697
302xx: 30285, 30286
305xx: 30520, 30521, 30553
306xx: 30639, 30662
308xx: 30817
310xx: 31097
324xx: 32421, 32424, 32430, 32449
356xx: 35610, 35616, 35617, 35630, 35631, 35632, 35633, 35634, 35645, 35646, 35648, 35652, 35660, 35661, 35662, 35674, 35677
365xx: 36513, 36518, 36529, 36538, 36539, 36548, 36553, 36556, 36558, 36569, 36581, 36583, 36584, 36585
370xx: 37061
371xx: 37175, 37178
373xx: 37367
376xx: 37616, 37641
377xx: 37719, 37726, 37733, 37743, 37744, 37745, 37770
378xx: 37809, 37810, 37818, 37829, 37845, 37872, 37887
383xx: 38310, 38315, 38334, 38339, 38357, 38359, 38367, 38375, 38379, 38393
411xx: 41101, 41102, 41105, 41114, 41121, 41129, 41139, 41144, 41168, 41169, 41174, 41175, 41183
433xx: 43310, 43311, 43318, 43319, 43324, 43331, 43333, 43336, 43343, 43347, 43348, 43357, 43358, 43360
456xx: 45619, 45638, 45645, 45659, 45669, 45675, 45678, 45680, 45688, 45696
470xx: 47006, 47017, 47021, 47023, 47031, 47033, 47034, 47037, 47039, 47041, 47042
472xx: 47224, 47230, 47231, 47243, 47250
475xx: 47514, 47515, 47520, 47525, 47551, 47574, 47576, 47586
486xx: 48619, 48621, 48636, 48647
500xx: 50020, 50022
502xx: 50274
505xx: 50519, 50520, 50529, 50545, 50548, 50558, 50570, 50577, 50582, 50591
506xx: 50607, 50629, 50641, 50644, 50648, 50650, 50671, 50682
508xx: 50843, 50853
510xx: 51001, 51008, 51024, 51028, 51031, 51038, 51045, 51050, 51062
515xx: 51535, 51544, 51552
522xx: 52210
523xx: 52326, 52329
546xx: 54612, 54616, 54625, 54627, 54630, 54661
547xx: 54738, 54747, 54758, 54760, 54770, 54773
560xx: 56013, 56014, 56023, 56025, 56027, 56033, 56047, 56051, 56068, 56097, 56098
566xx: 56623, 56686
567xx: 56710, 56711, 56713, 56724, 56727, 56737, 56738, 56741, 56744, 56757, 56758, 56760, 56762
572xx: 57219, 57239, 57261, 57273, 57274
573xx: 57314, 57325, 57326, 57355, 57359, 57368, 57370, 57375, 57383, 57385
574xx: 57422, 57468
604xx: 60420, 60460
609xx: 60920, 60921, 60929, 60934
613xx: 61311, 61313, 61319, 61326, 61327, 61333, 61335, 61336, 61340, 61363
615xx: 61532, 61546, 61560, 61567
617xx: 61739, 61740, 61741, 61743, 61764, 61769, 61775
619xx: 61914, 61925, 61928, 61937, 61951
624xx: 62413, 62427, 62433, 62449, 62451, 62454, 62464, 62478
626xx: 62617, 62633, 62644, 62655, 62664, 62682
628xx: 62810, 62814, 62816, 62830, 62846, 62864, 62866, 62872, 62883, 62889, 62894, 62898
688xx: 68834, 68850, 68863, 68878
690xx: 69029
691xx: 69130, 69138, 69171
730xx: 73052, 73057, 73074, 73075, 73098
734xx: 73433
735xx: 73530, 73542, 73546, 73551, 73553, 73555, 73570
748xx: 74872
754xx: 75411, 75416, 75421, 75425, 75434, 75435, 75460, 75461, 75462, 75468, 75470, 75473, 75477, 75486
790xx: 79002, 79003, 79011, 79054, 79057, 79061, 79065, 79066, 79079, 79096
792xx: 79227
793xx: 79314, 79346, 79379
How does County Cost Group 640 BAH compare?
For an E-5 with dependents, County Cost Group 640 pays $1,434 a month: number 301 of 338 housing areas, and $627 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 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 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 640
What is E-5 BAH in County Cost Group 640 for 2026?
$1,434 a month with dependents and $1,161 without ($17,208 and $13,932 a year). That ranks 301 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 640?
An O-3 gets $1,926 a month with dependents and $1,623 without in 2026. A W-2 gets $1,833 and $1,497.
How much BAH does an E-1 get in County Cost Group 640?
$1,329 a month with dependents and $1,071 without. E-1 to E-4 get the same rates here.
Which ZIP codes use County Cost Group 640 BAH rates?
509 ZIP codes in DTMO’s 2026 list map to this housing area (ZZ640): 14029, 14041, 14042, 14060, 14065 and 504 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in County Cost Group 640 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 $5,030.35 a month here with allowances and takes home about $4,527.73. 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 640 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.