United States · BAH 2026 · County cost groups
County Cost Group 840 BAH rates 2026
In County Cost Group 840 (195 ZIP codes), 2026 BAH runs from $1,701 a month (E-1 without dependents) to $3,510 (O-7 and above with dependents). An E-5 with dependents gets $2,322 a month, not taxed.
County Cost Group 840 · E-5 · with dependents
$2,322 a month
$27,864 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,166 | $1,701 |
| E-2 | $2,166 | $1,701 |
| E-3 | $2,166 | $1,701 |
| E-4 | $2,166 | $1,701 |
| E-5 | $2,322 | $1,896 |
| E-6 | $2,655 | $2,022 |
| E-7 | $2,745 | $2,169 |
| E-8 | $2,844 | $2,394 |
| E-9 | $2,997 | $2,487 |
| W-1 | $2,673 | $2,124 |
| W-2 | $2,787 | $2,391 |
| W-3 | $2,910 | $2,499 |
| W-4 | $3,030 | $2,670 |
| W-5 | $3,180 | $2,766 |
| O-1E | $2,760 | $2,319 |
| O-2E | $2,889 | $2,463 |
| O-3E | $3,051 | $2,646 |
| O-1 | $2,367 | $2,007 |
| O-2 | $2,652 | $2,274 |
| O-3 | $2,907 | $2,532 |
| O-4 | $3,225 | $2,745 |
| O-5 | $3,459 | $2,796 |
| O-6 | $3,486 | $2,886 |
| O-7 and above | $3,510 | $2,937 |
What is take-home pay with BAH in County Cost Group 840?
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 | $1,701.00 | $2,166.00 | $2,532.00 | $2,907.00 |
| 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 | $5,157.73 | $5,779.04 | $8,790.04 | $9,530.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in County Cost Group 840?
DTMO’s 2026 list maps 195 ZIP codes to this county cost group (ZZ840). BAH is set by the ZIP code of your duty station.
Show all 195 ZIP codes
230xx: 23002, 23005, 23009, 23011, 23014, 23015, 23030, 23039, 23047, 23063, 23065, 23067, 23069, 23083, 23086, 23089
231xx: 23102, 23103, 23105, 23106, 23111, 23116, 23124, 23129, 23139, 23140, 23141, 23146, 23147, 23153, 23160, 23162, 23181, 23192
238xx: 23822, 23830, 23833, 23840, 23841, 23850, 23872, 23882, 23884, 23885, 23888, 23890, 23891, 23894, 23897
590xx: 59010, 59038, 59076, 59084, 59087
592xx: 59214, 59215, 59274
593xx: 59326, 59341, 59349, 59353
773xx: 77327, 77328, 77368, 77369
774xx: 77423, 77445, 77446, 77466
775xx: 77514, 77523, 77533, 77535, 77538, 77560, 77561, 77564, 77575, 77580, 77582, 77597
776xx: 77661, 77665
780xx: 78004, 78006, 78013, 78015, 78027, 78074
816xx: 81601, 81602, 81623, 81635, 81636, 81647, 81650, 81652
838xx: 83801, 83803, 83810, 83814, 83815, 83816, 83833, 83835, 83842, 83854, 83858, 83869, 83876, 83877
840xx: 84018, 84050
845xx: 84515, 84532, 84540
847xx: 84710, 84722, 84725, 84729, 84733, 84737, 84738, 84741, 84745, 84746, 84755, 84757, 84758, 84762, 84763, 84765, 84767, 84770, 84771, 84774, 84779, 84780, 84781, 84782, 84783, 84784, 84790, 84791
953xx: 95305, 95309, 95310, 95321, 95327, 95335, 95346, 95347, 95364, 95370, 95372, 95373, 95375, 95379, 95383
954xx: 95422, 95423, 95424, 95426, 95435, 95443, 95451, 95453, 95457, 95458, 95464, 95485, 95493
975xx: 97501, 97502, 97503, 97504, 97520, 97522, 97524, 97525, 97530, 97535, 97536, 97537, 97539, 97540, 97541
993xx: 99323, 99324, 99329, 99348, 99360, 99361, 99362, 99363
How does County Cost Group 840 BAH compare?
For an E-5 with dependents, County Cost Group 840 pays $2,322 a month: number 121 of 338 housing areas, and $261 above 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 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 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 840
What is E-5 BAH in County Cost Group 840 for 2026?
$2,322 a month with dependents and $1,896 without ($27,864 and $22,752 a year). That ranks 121 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 840?
An O-3 gets $2,907 a month with dependents and $2,532 without in 2026. A W-2 gets $2,787 and $2,391.
How much BAH does an E-1 get in County Cost Group 840?
$2,166 a month with dependents and $1,701 without. E-1 to E-4 get the same rates here.
Which ZIP codes use County Cost Group 840 BAH rates?
195 ZIP codes in DTMO’s 2026 list map to this housing area (ZZ840): 23002, 23005, 23009, 23011, 23014 and 190 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in County Cost Group 840 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 $5,660.35 a month here with allowances and takes home about $5,157.73. 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 840 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.