United States · BAH 2026 · County cost groups
County Cost Group 860 BAH rates 2026
In County Cost Group 860 (425 ZIP codes), 2026 BAH runs from $1,821 a month (E-1 without dependents) to $3,729 (O-7 and above with dependents). An E-5 with dependents gets $2,487 a month, not taxed.
County Cost Group 860 · E-5 · with dependents
$2,487 a month
$29,844 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,325 | $1,821 |
| E-2 | $2,325 | $1,821 |
| E-3 | $2,325 | $1,821 |
| E-4 | $2,325 | $1,821 |
| E-5 | $2,487 | $2,037 |
| E-6 | $2,829 | $2,172 |
| E-7 | $2,922 | $2,328 |
| E-8 | $3,027 | $2,562 |
| E-9 | $3,186 | $2,655 |
| W-1 | $2,847 | $2,277 |
| W-2 | $2,964 | $2,559 |
| W-3 | $3,093 | $2,670 |
| W-4 | $3,219 | $2,844 |
| W-5 | $3,378 | $2,946 |
| O-1E | $2,940 | $2,484 |
| O-2E | $3,072 | $2,634 |
| O-3E | $3,246 | $2,820 |
| O-1 | $2,535 | $2,157 |
| O-2 | $2,826 | $2,436 |
| O-3 | $3,090 | $2,703 |
| O-4 | $3,429 | $2,922 |
| O-5 | $3,672 | $2,976 |
| O-6 | $3,702 | $3,072 |
| O-7 and above | $3,729 | $3,123 |
What is take-home pay with BAH in County Cost Group 860?
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 | $1,821.00 | $2,325.00 | $2,703.00 | $3,090.00 |
| 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 | $5,277.73 | $5,938.04 | $8,961.04 | $9,713.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in County Cost Group 860?
DTMO’s 2026 list maps 425 ZIP codes to this county cost group (ZZ860). BAH is set by the ZIP code of your duty station.
Show all 425 ZIP codes
010xx: 01054, 01072, 01093
013xx: 01301, 01302, 01330, 01337, 01338, 01339, 01340, 01341, 01342, 01344, 01346, 01347, 01349, 01350, 01351, 01354, 01355, 01360, 01364, 01367, 01370, 01373, 01375, 01376, 01378, 01379, 01380
032xx: 03218, 03220, 03225, 03226, 03227, 03237, 03246, 03247, 03249, 03252, 03253, 03254, 03256, 03259, 03269, 03276, 03280, 03284, 03289, 03298, 03299
036xx: 03601, 03603, 03605, 03607
037xx: 03743, 03745, 03746, 03751, 03752, 03753, 03754, 03770, 03773, 03781, 03782
038xx: 03809, 03810, 03812, 03813, 03814, 03816, 03817, 03818, 03830, 03832, 03836, 03837, 03838, 03845, 03846, 03847, 03849, 03850, 03853, 03860, 03864, 03872, 03875, 03882, 03883, 03886, 03890, 03894, 03896, 03897
229xx: 22920, 22922, 22935, 22938, 22949, 22958, 22963, 22964, 22965, 22967, 22968, 22969, 22971, 22973, 22974, 22976
230xx: 23022, 23038, 23055, 23084
233xx: 23304, 23314, 23315, 23397
234xx: 23424, 23430, 23431, 23487
238xx: 23898
244xx: 24464
245xx: 24553, 24581
275xx: 27508, 27525, 27549, 27596
279xx: 27916, 27917, 27923, 27926, 27927, 27929, 27935, 27937, 27938, 27939, 27941, 27946, 27947, 27950, 27956, 27958, 27964, 27965, 27966, 27969, 27973, 27979
300xx: 30011, 30012, 30013, 30014, 30015, 30016, 30018, 30025, 30028, 30040, 30041, 30052, 30054, 30055, 30056, 30070, 30094
301xx: 30102, 30103, 30107, 30108, 30109, 30112, 30114, 30115, 30116, 30117, 30118, 30119, 30120, 30121, 30123, 30132, 30137, 30141, 30142, 30143, 30145, 30146, 30148, 30150, 30151, 30157, 30169, 30170, 30171, 30175, 30177, 30178, 30179, 30180, 30183, 30184, 30185, 30188, 30189
302xx: 30206, 30212, 30217, 30220, 30223, 30224, 30229, 30256, 30258, 30259, 30263, 30264, 30265, 30266, 30271, 30275, 30276, 30277, 30284, 30289, 30292, 30295
306xx: 30620, 30641, 30655, 30656, 30666, 30680
310xx: 31038, 31064, 31085
334xx: 33455, 33475
349xx: 34956, 34957, 34958, 34990, 34991, 34992, 34994, 34995, 34996, 34997
370xx: 37016, 37022, 37026, 37029, 37031, 37036, 37048, 37051, 37055, 37056, 37066, 37071, 37074, 37075, 37077, 37087, 37088, 37090
371xx: 37119, 37121, 37122, 37136, 37148, 37149, 37165, 37181, 37184, 37186, 37187, 37190
596xx: 59641, 59643, 59644, 59647
598xx: 59801, 59802, 59803, 59804, 59806, 59807, 59808, 59812, 59823, 59825, 59826, 59834, 59846, 59847, 59851, 59868
599xx: 59901, 59903, 59904, 59911, 59912, 59913, 59916, 59919, 59920, 59921, 59922, 59925, 59926, 59927, 59928, 59932, 59936, 59937
600xx: 60012, 60013, 60014, 60021, 60033, 60034, 60039, 60050, 60051, 60071, 60072, 60081, 60097, 60098
601xx: 60102, 60142, 60152, 60156, 60180
604xx: 60401, 60403, 60404, 60408, 60410, 60417, 60421, 60423, 60431, 60432, 60433, 60434, 60435, 60436, 60440, 60441, 60442, 60446, 60448, 60449, 60451, 60468, 60481, 60484, 60490, 60491
605xx: 60503, 60544, 60564, 60585, 60586
797xx: 79701, 79702, 79703, 79704, 79705, 79706, 79707, 79708, 79710, 79711, 79712, 79713, 79749, 79782, 79783
836xx: 83602, 83604, 83622, 83624, 83628, 83629, 83631, 83637, 83639, 83650, 83666
954xx: 95410, 95415, 95417, 95418, 95420, 95427, 95428, 95429, 95432, 95437, 95445, 95449, 95454, 95456, 95459, 95460, 95463, 95466, 95468, 95469, 95470, 95481, 95482, 95488, 95490, 95494
955xx: 95585, 95587
How does County Cost Group 860 BAH compare?
For an E-5 with dependents, County Cost Group 860 pays $2,487 a month: number 92 of 338 housing areas, and $426 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 840 E-5 with dependents $2,322
- County Cost Group 850 E-5 with dependents $2,409
- 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 860
What is E-5 BAH in County Cost Group 860 for 2026?
$2,487 a month with dependents and $2,037 without ($29,844 and $24,444 a year). That ranks 92 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 860?
An O-3 gets $3,090 a month with dependents and $2,703 without in 2026. A W-2 gets $2,964 and $2,559.
How much BAH does an E-1 get in County Cost Group 860?
$2,325 a month with dependents and $1,821 without. E-1 to E-4 get the same rates here.
Which ZIP codes use County Cost Group 860 BAH rates?
425 ZIP codes in DTMO’s 2026 list map to this housing area (ZZ860): 01054, 01072, 01093, 01301, 01302 and 420 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in County Cost Group 860 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 $5,780.35 a month here with allowances and takes home about $5,277.73. 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 860 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.