Official data current

County Cost Group 650 BAH rates

Verified · Effective 2026-01-01 · MHA ZZ650

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O-2 · With dependents
$1,740per month

$20,880 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #302 of 338O-2 · with dependents reference
Taxable-pay equivalent$2,231/mo Using the stated 22% comparison rate
Year-over-year change+$21/mo · +1.2%2025 $1,719 → 2026 $1,740
O-2 rate selectedMHA ZZ650 ZIPs 16028 16036 16054 16058 16213 16214 +314
PCS compare County Cost Group 650 · O-2 · with dep. · $1,740/mo
County Cost Group 650 $1,740/mo · $20,880/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$1,719
2026$1,740

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

COUNTY COST GROUP

This is not one installation. DTMO groups counties without a dedicated base into a "County Cost Group". The rate applies to any member whose duty location falls in one of the ZIP codes listed above.

County Cost Group 650 — full sheet Tap a row

What this rate means

O-2 with dependents, nearest stations0 – $5,451 / month
San Francisco $5,451
County Cost Group 690 $1,782
Fort Riley $1,779
Huntington $1,776
County Cost Group 680 $1,770
China Lake $1,764
Charleston $1,761
County Cost Group 670 $1,761
Montgomery $1,755
County Cost Group 660 $1,749
Saginaw $1,746
County Cost Group 650 $1,740
Fort Rucker $1,740
County Cost Group 640 $1,731
County Cost Group 630 $1,722
Fort Leonard Wood $1,719
County Cost Group 620 $1,716
County Cost Group 610 $1,707
Stevens Point $1,704
County Cost Group 600 $1,701
Laughlin AFB $1,701
County Cost Group 590 $1,689
Youngstown $1,332

County Cost Group 650 is #302 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

Every pay grade at County Cost Group 6500 – $2,358 / month
E-1 $1,335
E-2 $1,335
E-3 $1,335
E-4 $1,335
E-5 $1,443
E-6 $1,743
E-7 $1,812
E-8 $1,887
E-9 $2,001
W-1 $1,761
W-2 $1,842
W-3 $1,938
W-4 $2,022
W-5 $2,133
O-1E $1,824
O-2E $1,923
O-3E $2,040
O-1 $1,485
O-2 $1,740
O-3 $1,935
O-4 $2,163
O-5 $2,331
O-6 $2,346
O-7 $2,358

The pay chart moves this allowance far less than the map does.

Moving from County Cost Group 650 to San Francisco at O-2 is worth $3,711 a month — about 19 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not tell you

01

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

02

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

03

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…