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County Cost Group 820 BAH rates 2026

In County Cost Group 820 (233 ZIP codes), 2026 BAH runs from $1,587 a month (E-1 without dependents) to $3,303 (O-7 and above with dependents). An E-5 with dependents gets $2,160 a month, not taxed.

Dependents

Housing area ZZ820. O-8 to O-10 are paid the O-7 rate.

County Cost Group 820 · E-5 · with dependents

$2,160 a month

$25,920 a year, not taxed.

County Cost Group 820: monthly BAH by grade, 2026
Grade With dependents Without dependents
E-1 $2,016 $1,587
E-2 $2,016 $1,587
E-3 $2,016 $1,587
E-4 $2,016 $1,587
E-5 $2,160 $1,764
E-6 $2,490 $1,881
E-7 $2,577 $2,019
E-8 $2,670 $2,232
E-9 $2,817 $2,322
W-1 $2,508 $1,977
W-2 $2,616 $2,229
W-3 $2,733 $2,337
W-4 $2,847 $2,505
W-5 $2,988 $2,598
O-1E $2,592 $2,157
O-2E $2,715 $2,301
O-3E $2,868 $2,481
O-1 $2,208 $1,866
O-2 $2,487 $2,118
O-3 $2,730 $2,367
O-4 $3,033 $2,574
O-5 $3,255 $2,625
O-6 $3,279 $2,712
O-7 and above $3,303 $2,757

What is take-home pay with BAH in County Cost Group 820?

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.

Take-home pay examples in County Cost Group 820, a month
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$1,587.00$2,016.00$2,367.00$2,730.00
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 taxnot includednot includednot includednot included
Take-home a month$5,043.73$5,629.04$8,625.04$9,353.81

Change the rank, years of service or state in the military pay calculator.

Which ZIP codes are in County Cost Group 820?

DTMO’s 2026 list maps 233 ZIP codes to this county cost group (ZZ820). BAH is set by the ZIP code of your duty station.

Show all 233 ZIP codes

195xx: 19503, 19504, 19505, 19506, 19507, 19508, 19510, 19511, 19512, 19516, 19518, 19519, 19522, 19523, 19526, 19529, 19530, 19533, 19534, 19535, 19536, 19538, 19539, 19540, 19541, 19543, 19544, 19545, 19547, 19548, 19550, 19551, 19554, 19555, 19559, 19560, 19562, 19564, 19565, 19567

196xx: 19601, 19602, 19603, 19604, 19605, 19606, 19607, 19608, 19609, 19610, 19611, 19612

339xx: 33927, 33938, 33946, 33947, 33948, 33949, 33950, 33951, 33952, 33953, 33954, 33955, 33980, 33981, 33982, 33983

342xx: 34224

460xx: 46052, 46071, 46075, 46077

461xx: 46102, 46147

474xx: 47435, 47448

481xx: 48114, 48116, 48137, 48139, 48143, 48169

483xx: 48353

488xx: 48816, 48836, 48843, 48844, 48855

559xx: 55901, 55902, 55903, 55904, 55905, 55906, 55920, 55924, 55927, 55929, 55934, 55940, 55944, 55955, 55960, 55976, 55985

587xx: 58730, 58765

588xx: 58833, 58844

590xx: 59032

594xx: 59418, 59424, 59430, 59441, 59451, 59457, 59464, 59471, 59489

598xx: 59827, 59828, 59829, 59833, 59835, 59840, 59841, 59870, 59871, 59875

604xx: 60407, 60416, 60424, 60437, 60444, 60447, 60450, 60474, 60479

797xx: 79741, 79758, 79759, 79760, 79761, 79762, 79763, 79764, 79765, 79766, 79768, 79769, 79776

811xx: 81122, 81137

812xx: 81201, 81211, 81227, 81228, 81236, 81242

813xx: 81301, 81302, 81303, 81326, 81329

870xx: 87009, 87016, 87032, 87035, 87036, 87061, 87063, 87070

883xx: 88321

898xx: 89801, 89803, 89815, 89822, 89823, 89825, 89826, 89828, 89830, 89831, 89832, 89833, 89834, 89835, 89883

936xx: 93623

953xx: 95306, 95311, 95318, 95325, 95338, 95345, 95389

973xx: 97321, 97322, 97327, 97329, 97335, 97336, 97345, 97348, 97355, 97360, 97374, 97377, 97386, 97389

974xx: 97446

980xx: 98068

985xx: 98581

986xx: 98603, 98609, 98611, 98616, 98625, 98626, 98632, 98645, 98649, 98674

989xx: 98922, 98925, 98926, 98934, 98940, 98941, 98943, 98946, 98950

How does County Cost Group 820 BAH compare?

For an E-5 with dependents, County Cost Group 820 pays $2,160 a month: number 149 of 338 housing areas, and $99 above the middle of all areas ($2,061). The other county cost groups:

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?

Questions about BAH in County Cost Group 820

What is E-5 BAH in County Cost Group 820 for 2026?

$2,160 a month with dependents and $1,764 without ($25,920 and $21,168 a year). That ranks 149 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 820?

An O-3 gets $2,730 a month with dependents and $2,367 without in 2026. A W-2 gets $2,616 and $2,229.

How much BAH does an E-1 get in County Cost Group 820?

$2,016 a month with dependents and $1,587 without. E-1 to E-4 get the same rates here.

Which ZIP codes use County Cost Group 820 BAH rates?

233 ZIP codes in DTMO’s 2026 list map to this housing area (ZZ820): 19503, 19504, 19505, 19506, 19507 and 228 more. BAH follows the ZIP code of your duty station, not where you live.

Is BAH in County Cost Group 820 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 $5,546.35 a month here with allowances and takes home about $5,043.73. 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 820 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.