United States · BAH 2026 · County cost groups
County Cost Group 650 BAH rates 2026
In County Cost Group 650 (320 ZIP codes), 2026 BAH runs from $1,074 a month (E-1 without dependents) to $2,358 (O-7 and above with dependents). An E-5 with dependents gets $1,443 a month, not taxed.
County Cost Group 650 · E-5 · with dependents
$1,443 a month
$17,316 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,335 | $1,074 |
| E-2 | $1,335 | $1,074 |
| E-3 | $1,335 | $1,074 |
| E-4 | $1,335 | $1,074 |
| E-5 | $1,443 | $1,167 |
| E-6 | $1,743 | $1,305 |
| E-7 | $1,812 | $1,359 |
| E-8 | $1,887 | $1,506 |
| E-9 | $2,001 | $1,590 |
| W-1 | $1,761 | $1,320 |
| W-2 | $1,842 | $1,503 |
| W-3 | $1,938 | $1,602 |
| W-4 | $2,022 | $1,752 |
| W-5 | $2,133 | $1,827 |
| O-1E | $1,824 | $1,440 |
| O-2E | $1,923 | $1,569 |
| O-3E | $2,040 | $1,734 |
| O-1 | $1,485 | $1,227 |
| O-2 | $1,740 | $1,410 |
| O-3 | $1,935 | $1,629 |
| O-4 | $2,163 | $1,809 |
| O-5 | $2,331 | $1,848 |
| O-6 | $2,346 | $1,917 |
| O-7 and above | $2,358 | $1,944 |
What is take-home pay with BAH in County Cost Group 650?
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 | $1,074.00 | $1,335.00 | $1,629.00 | $1,935.00 |
| 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 | $4,530.73 | $4,948.04 | $7,887.04 | $8,558.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in County Cost Group 650?
DTMO’s 2026 list maps 320 ZIP codes to this county cost group (ZZ650). BAH is set by the ZIP code of your duty station.
Show all 320 ZIP codes
160xx: 16028, 16036, 16054, 16058
162xx: 16213, 16214, 16220, 16221, 16224, 16225, 16230, 16232, 16233, 16234, 16235, 16240, 16242, 16248, 16254, 16255, 16257, 16258, 16260
163xx: 16326, 16331, 16332, 16334, 16361, 16375
230xx: 23004
231xx: 23123
239xx: 23921, 23936
242xx: 24239
245xx: 24562, 24599
246xx: 24603, 24614, 24620, 24624, 24627, 24628, 24631, 24634, 24639, 24646, 24647, 24656, 24657, 24658
254xx: 25411, 25422, 25434
262xx: 26201, 26210, 26215, 26218, 26219, 26228, 26229, 26234, 26236, 26237
272xx: 27209, 27229, 27247
273xx: 27306, 27343, 27356, 27371
275xx: 27541, 27573, 27574, 27583
287xx: 28781
289xx: 28901, 28903, 28905, 28906
301xx: 30104, 30125, 30138, 30153
305xx: 30513, 30541, 30555, 30559, 30560
306xx: 30642, 30665, 30669, 30678
315xx: 31516, 31518, 31551, 31556, 31557
320xx: 32052, 32053, 32096
350xx: 35045, 35046, 35085
351xx: 35171
360xx: 36091
367xx: 36750, 36790
394xx: 39426, 39457, 39463, 39466, 39470
421xx: 42120, 42153, 42164
475xx: 47564, 47567, 47584, 47585, 47590, 47598
479xx: 47916, 47933, 47940, 47954, 47955, 47965, 47967, 47968, 47989, 47990, 47994
486xx: 48617, 48622, 48625, 48632, 48633
497xx: 49757, 49762, 49775
498xx: 49820, 49827, 49838
501xx: 50112, 50157, 50171
502xx: 50242
504xx: 50466
506xx: 50628
521xx: 52134, 52136, 52155, 52163
522xx: 52211, 52221, 52222, 52232
535xx: 53518, 53554, 53569, 53573
538xx: 53801, 53802, 53804, 53805, 53806, 53807, 53808, 53809, 53810, 53811, 53812, 53813, 53816, 53817, 53818, 53820, 53824, 53825, 53827
544xx: 54463
545xx: 54501, 54529, 54531, 54539, 54543, 54548, 54562, 54564, 54568
560xx: 56007, 56009, 56016, 56020, 56029, 56032, 56035, 56036, 56042, 56043, 56045, 56089
566xx: 56621, 56634, 56644, 56652, 56676
570xx: 57031, 57040, 57046, 57067, 57072, 57078
572xx: 57224, 57227, 57255, 57256, 57257, 57260, 57262, 57266, 57279
573xx: 57311, 57332, 57340, 57362, 57371, 57373
574xx: 57467
576xx: 57632, 57646, 57648
577xx: 57716, 57752, 57756, 57764, 57770, 57772, 57794
652xx: 65230, 65248, 65250, 65254, 65274
690xx: 69025, 69028, 69038, 69039, 69042
720xx: 72057, 72084
721xx: 72128, 72129, 72150
730xx: 73030, 73032, 73039, 73086
739xx: 73960
740xx: 74003, 74004, 74005, 74006, 74022, 74029, 74051, 74061, 74082
758xx: 75834, 75845, 75856, 75862, 75865
759xx: 75926
763xx: 76363, 76371
764xx: 76430, 76464
769xx: 76936
783xx: 78332, 78333, 78342, 78375
790xx: 79005, 79024, 79034, 79046, 79056, 79077, 79084, 79095
792xx: 79230, 79251
793xx: 79316, 79324, 79344, 79345, 79347, 79378
795xx: 79505, 79529
798xx: 79837, 79839, 79847, 79851
827xx: 82710, 82711, 82712, 82714, 82720, 82721, 82729
881xx: 88121
884xx: 88401, 88411, 88426, 88427, 88430, 88433, 88434
How does County Cost Group 650 BAH compare?
For an E-5 with dependents, County Cost Group 650 pays $1,443 a month: number 300 of 338 housing areas, and $618 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 640 E-5 with dependents $1,434
- 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 650
What is E-5 BAH in County Cost Group 650 for 2026?
$1,443 a month with dependents and $1,167 without ($17,316 and $14,004 a year). That ranks 300 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 650?
An O-3 gets $1,935 a month with dependents and $1,629 without in 2026. A W-2 gets $1,842 and $1,503.
How much BAH does an E-1 get in County Cost Group 650?
$1,335 a month with dependents and $1,074 without. E-1 to E-4 get the same rates here.
Which ZIP codes use County Cost Group 650 BAH rates?
320 ZIP codes in DTMO’s 2026 list map to this housing area (ZZ650): 16028, 16036, 16054, 16058, 16213 and 315 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in County Cost Group 650 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 $5,033.35 a month here with allowances and takes home about $4,530.73. 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 650 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.