United States · BAH 2026 · County cost groups
County Cost Group 740 BAH rates 2026
In County Cost Group 740 (793 ZIP codes), 2026 BAH runs from $1,179 a month (E-1 without dependents) to $2,553 (O-7 and above with dependents). An E-5 with dependents gets $1,590 a month, not taxed.
County Cost Group 740 · E-5 · with dependents
$1,590 a month
$19,080 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,476 | $1,179 |
| E-2 | $1,476 | $1,179 |
| E-3 | $1,476 | $1,179 |
| E-4 | $1,476 | $1,179 |
| E-5 | $1,590 | $1,290 |
| E-6 | $1,896 | $1,419 |
| E-7 | $1,968 | $1,476 |
| E-8 | $2,049 | $1,656 |
| E-9 | $2,166 | $1,740 |
| W-1 | $1,914 | $1,449 |
| W-2 | $2,001 | $1,653 |
| W-3 | $2,100 | $1,752 |
| W-4 | $2,193 | $1,908 |
| W-5 | $2,307 | $1,986 |
| O-1E | $1,980 | $1,587 |
| O-2E | $2,085 | $1,719 |
| O-3E | $2,211 | $1,887 |
| O-1 | $1,632 | $1,359 |
| O-2 | $1,893 | $1,554 |
| O-3 | $2,097 | $1,782 |
| O-4 | $2,343 | $1,965 |
| O-5 | $2,520 | $2,007 |
| O-6 | $2,538 | $2,079 |
| O-7 and above | $2,553 | $2,112 |
What is take-home pay with BAH in County Cost Group 740?
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 | $1,179.00 | $1,476.00 | $1,782.00 | $2,097.00 |
| 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 | $4,635.73 | $5,089.04 | $8,040.04 | $8,720.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in County Cost Group 740?
DTMO’s 2026 list maps 793 ZIP codes to this county cost group (ZZ740). BAH is set by the ZIP code of your duty station.
Show all 793 ZIP codes
137xx: 13732, 13734, 13736, 13737, 13743, 13744, 13745, 13746, 13748, 13749, 13754, 13760, 13761, 13762, 13763, 13777, 13787, 13790, 13794, 13795, 13797
138xx: 13802, 13811, 13812, 13813, 13826, 13827, 13833, 13835, 13840, 13845, 13848, 13850, 13851, 13862, 13864, 13865
139xx: 13901, 13902, 13903, 13904, 13905
140xx: 14005, 14013, 14020, 14021, 14036, 14040, 14054, 14056, 14058
141xx: 14125, 14143
144xx: 14415, 14416, 14418, 14422, 14441, 14478, 14482
145xx: 14507, 14525, 14527, 14544, 14557
148xx: 14837, 14842, 14857, 14859, 14883, 14892
178xx: 17814, 17815, 17820, 17829, 17835, 17837, 17844, 17845, 17846, 17855, 17856, 17858, 17859, 17878, 17880, 17885, 17886, 17887, 17888, 17889
179xx: 17920
186xx: 18603, 18631
280xx: 28007, 28091
281xx: 28102, 28119, 28133, 28135, 28170
286xx: 28601, 28602, 28603, 28609, 28610, 28611, 28612, 28613, 28619, 28628, 28630, 28633, 28636, 28637, 28638, 28641, 28645, 28647, 28650, 28655, 28658, 28661, 28666, 28667, 28671, 28673, 28678, 28680, 28681, 28682, 28690
289xx: 28902, 28904, 28909
290xx: 29014, 29055, 29058, 29067
293xx: 29325, 29332, 29351, 29360, 29370, 29384
296xx: 29645
297xx: 29706, 29712, 29714, 29720, 29721, 29722, 29724, 29729, 29744
301xx: 30110, 30113, 30140, 30176, 30182
320xx: 32007, 32054, 32059, 32083
321xx: 32112, 32131, 32138, 32139, 32140, 32147, 32148, 32149, 32157, 32177, 32178, 32181, 32185, 32187, 32189, 32193
323xx: 32331, 32340, 32341, 32350
326xx: 32666, 32697
370xx: 37020
371xx: 37160, 37161, 37162, 37180, 37183
373xx: 37360
376xx: 37650, 37657, 37692
380xx: 38001, 38006, 38021, 38034, 38050
383xx: 38336, 38337
386xx: 38611, 38634, 38635, 38642, 38649, 38659, 38661, 38679, 38685
423xx: 42301, 42302, 42303, 42304, 42322, 42327, 42334, 42350, 42352, 42355, 42356, 42366, 42371, 42372, 42376, 42377, 42378
460xx: 46045, 46047, 46049, 46068, 46072, 46076
465xx: 46502, 46508, 46510, 46524, 46538, 46539, 46542, 46555, 46562, 46567, 46580, 46581, 46582, 46590
469xx: 46901, 46902, 46903, 46904, 46936, 46937, 46965, 46979, 46982, 46995
470xx: 47010, 47012, 47016, 47024, 47030, 47035, 47036
484xx: 48414, 48418, 48429, 48460, 48476
488xx: 48817, 48841, 48848, 48857, 48867, 48872, 48882
496xx: 49611, 49612, 49615, 49622, 49627, 49629, 49648, 49659
497xx: 49711, 49712, 49713, 49720, 49727, 49729, 49730, 49734, 49735, 49751, 49782, 49795, 49796, 49797
506xx: 50609, 50613, 50614, 50621, 50623, 50624, 50626, 50634, 50638, 50642, 50643, 50651, 50657, 50667, 50669, 50673, 50680
507xx: 50701, 50702, 50703, 50704, 50707
510xx: 51004, 51007, 51015, 51016, 51018, 51019, 51026, 51030, 51039, 51044, 51048, 51052, 51054, 51055, 51056
511xx: 51101, 51102, 51103, 51104, 51105, 51106, 51108, 51109, 51111
530xx: 53003, 53006, 53016, 53032, 53034, 53035, 53039, 53047, 53048, 53050, 53059, 53078, 53091, 53098, 53099
535xx: 53557, 53561, 53577, 53578, 53579, 53583, 53588
539xx: 53913, 53916, 53922, 53933, 53937, 53940, 53941, 53942, 53943, 53951, 53956, 53958, 53959, 53961, 53963
540xx: 54001, 54004, 54005, 54006, 54009, 54020, 54024, 54026
548xx: 54810, 54824, 54837, 54853, 54858
566xx: 56601, 56619, 56630, 56647, 56650, 56663, 56666, 56667, 56670, 56671, 56678, 56683, 56685, 56687
570xx: 57001, 57004, 57025, 57038, 57049
584xx: 58440, 58442
585xx: 58523, 58541, 58545, 58561, 58571, 58580
586xx: 58621, 58632, 58654
590xx: 59058, 59062, 59077
592xx: 59222, 59253, 59263, 59276
593xx: 59314, 59317, 59318, 59322, 59337, 59343, 59345
594xx: 59461
595xx: 59522, 59531, 59545
598xx: 59831, 59844, 59845, 59848, 59853, 59856, 59859, 59873, 59874
604xx: 60470
605xx: 60518, 60531, 60549, 60551, 60557
613xx: 61301, 61316, 61321, 61325, 61332, 61334, 61341, 61342, 61348, 61350, 61354, 61358, 61360, 61364, 61370, 61371, 61372, 61373
618xx: 61813, 61818, 61830, 61839, 61854, 61855, 61856, 61884
619xx: 61929, 61936
678xx: 67846, 67851, 67868
680xx: 68003, 68015, 68017, 68018, 68030, 68033, 68040, 68041, 68042, 68050, 68065, 68066, 68070, 68073
686xx: 68648
687xx: 68731, 68733, 68741, 68743, 68776
718xx: 71834, 71837, 71839, 71840, 71854
719xx: 71901, 71902, 71903, 71909, 71910, 71913, 71914, 71949, 71956, 71964, 71968
720xx: 72087
740xx: 74023, 74032, 74059, 74062, 74074, 74075, 74076, 74077, 74078, 74085
751xx: 75102, 75103, 75105, 75109, 75110, 75117, 75127, 75140, 75144, 75151, 75153, 75155, 75169
754xx: 75420, 75431, 75433, 75437, 75471, 75478, 75481, 75482, 75483
755xx: 75501, 75503, 75504, 75505, 75507, 75559, 75561, 75567, 75569, 75570, 75573, 75574, 75599
757xx: 75754, 75763, 75779, 75790
758xx: 75801, 75802, 75803, 75832, 75839, 75853, 75861, 75880, 75882, 75884, 75886
759xx: 75934, 75939, 75960
760xx: 76055, 76067, 76068
762xx: 76230, 76239, 76251, 76255, 76261, 76265, 76270
764xx: 76449, 76453, 76463, 76472, 76475, 76484
766xx: 76621, 76622, 76626, 76627, 76628, 76631, 76636, 76639, 76641, 76645, 76648, 76650, 76660, 76666, 76673, 76676, 76679, 76681, 76692
773xx: 77326, 77332, 77335, 77350, 77351, 77360, 77399
774xx: 77412, 77434, 77442, 77460, 77470, 77475
778xx: 77853
779xx: 77954, 77967, 77974, 77989, 77994
780xx: 78005, 78008, 78011, 78012, 78017, 78026, 78050, 78052, 78057, 78061, 78062, 78064, 78065
781xx: 78141, 78164
789xx: 78934, 78935, 78942, 78943, 78947, 78948, 78951, 78962
795xx: 79512, 79532, 79565
807xx: 80722, 80726, 80728, 80736, 80741, 80745, 80747, 80751
810xx: 81020, 81024, 81027, 81046, 81049, 81059, 81081, 81082, 81091
811xx: 81125, 81132, 81135, 81144, 81154
812xx: 81252, 81253
816xx: 81610, 81625, 81626, 81633, 81638, 81640, 81653
822xx: 82224, 82229
826xx: 82633, 82637
833xx: 83311, 83312, 83314, 83318, 83323, 83330, 83332, 83336, 83342, 83343, 83346, 83347, 83350, 83355
835xx: 83535, 83537
838xx: 83806, 83823, 83832, 83834, 83855, 83857, 83871, 83872
840xx: 84008, 84026, 84035, 84039, 84063, 84076, 84078, 84079, 84085
845xx: 84510, 84511, 84512, 84530, 84531, 84533, 84534, 84535, 84536
846xx: 84620, 84652, 84654, 84657
847xx: 84701, 84711, 84724, 84730, 84739, 84744, 84754, 84766
877xx: 87730, 87733, 87743, 87746
878xx: 87820, 87821, 87824, 87827, 87829, 87830
880xx: 88039
882xx: 88201, 88202, 88203, 88230, 88232, 88253
978xx: 97818, 97836, 97839, 97843, 97844
990xx: 99008, 99029, 99032
991xx: 99103, 99117, 99122, 99134, 99144, 99147, 99154, 99159, 99185
How does County Cost Group 740 BAH compare?
For an E-5 with dependents, County Cost Group 740 pays $1,590 a month: number 262 of 338 housing areas, and $471 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 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 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 740
What is E-5 BAH in County Cost Group 740 for 2026?
$1,590 a month with dependents and $1,290 without ($19,080 and $15,480 a year). That ranks 262 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 740?
An O-3 gets $2,097 a month with dependents and $1,782 without in 2026. A W-2 gets $2,001 and $1,653.
How much BAH does an E-1 get in County Cost Group 740?
$1,476 a month with dependents and $1,179 without. E-1 to E-4 get the same rates here.
Which ZIP codes use County Cost Group 740 BAH rates?
793 ZIP codes in DTMO’s 2026 list map to this housing area (ZZ740): 13732, 13734, 13736, 13737, 13743 and 788 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in County Cost Group 740 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 $5,138.35 a month here with allowances and takes home about $4,635.73. 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 740 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.