Updated February 2026

BAH Rates Cost Group 650 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Cost Group 650 military housing area (MHA: ZZ650), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$1,443

$17,316/year

E-5 without Dependents

$1,167

$14,004/year

O-3 with Dependents

$1,935

$23,220/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,335	$16,020
E-2	$1,335	$16,020
E-3	$1,335	$16,020
E-4	$1,335	$16,020
E-5	$1,443	$17,316
E-6	$1,743	$20,916
E-7	$1,812	$21,744
E-8	$1,887	$22,644
E-9	$2,001	$24,012
Warrant Officer
W-1	$1,761	$21,132
W-2	$1,842	$22,104
W-3	$1,938	$23,256
W-4	$2,022	$24,264
W-5	$2,133	$25,596
Commissioned Officer (Prior Enlisted)
O-1E	$1,824	$21,888
O-2E	$1,923	$23,076
O-3E	$2,040	$24,480
Commissioned Officer
O-1	$1,485	$17,820
O-2	$1,740	$20,880
O-3	$1,935	$23,220
O-4	$2,163	$25,956
O-5	$2,331	$27,972
O-6	$2,346	$28,152
O-7	$2,358	$28,296

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,074	$12,888
E-2	$1,074	$12,888
E-3	$1,074	$12,888
E-4	$1,074	$12,888
E-5	$1,167	$14,004
E-6	$1,305	$15,660
E-7	$1,359	$16,308
E-8	$1,506	$18,072
E-9	$1,590	$19,080
Warrant Officer
W-1	$1,320	$15,840
W-2	$1,503	$18,036
W-3	$1,602	$19,224
W-4	$1,752	$21,024
W-5	$1,827	$21,924
Commissioned Officer (Prior Enlisted)
O-1E	$1,440	$17,280
O-2E	$1,569	$18,828
O-3E	$1,734	$20,808
Commissioned Officer
O-1	$1,227	$14,724
O-2	$1,410	$16,920
O-3	$1,629	$19,548
O-4	$1,809	$21,708
O-5	$1,848	$22,176
O-6	$1,917	$23,004
O-7	$1,944	$23,328

Frequently Asked Questions

What is the BAH rate for an E-5 in Cost Group 650?

The 2026 BAH rate for an E-5 with dependents in Cost Group 650 is $1,443 per month ($17,316 per year). Without dependents, the rate is $1,167 per month.

How many ZIP codes are in the Cost Group 650 MHA?

The Cost Group 650 Military Housing Area code is ZZ650.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556