County Cost Group 610 BAH Rates 2026
County Cost Group 610 (MHA ZZ610) is one of the county cost groups the Department of Defense uses to set Basic Allowance for Housing for rural ZIP codes across the United States that are not assigned to a named Military Housing Area. It covers 354 ZIP codes, including 15536 and 45656. If your duty station ZIP code falls in this group, the table on this page is your 2026 BAH rate table. An E-5 with dependents here receives $1,410 per month in tax-free BAH, and an O-3 without dependents receives $1,599 per month.
Last updated: October 2026
Your BAH in County Cost Group 610
2026 BAH rate table for County Cost Group 610
The full published 2026 locality table for MHA ZZ610, monthly amounts in US dollars:
| Pay grade | Without dependents | With dependents |
|---|---|---|
| E-1 | $1,053 | $1,308 |
| E-2 | $1,053 | $1,308 |
| E-3 | $1,053 | $1,308 |
| E-4 | $1,053 | $1,308 |
| E-5 | $1,143 | $1,410 |
| E-6 | $1,281 | $1,710 |
| E-7 | $1,335 | $1,779 |
| E-8 | $1,476 | $1,854 |
| E-9 | $1,557 | $1,965 |
| W-1 | $1,296 | $1,728 |
| W-2 | $1,473 | $1,809 |
| W-3 | $1,572 | $1,905 |
| W-4 | $1,722 | $1,989 |
| W-5 | $1,794 | $2,097 |
| O-1 | $1,200 | $1,455 |
| O-2 | $1,380 | $1,707 |
| O-3 | $1,599 | $1,902 |
| O-4 | $1,776 | $2,127 |
| O-5 | $1,815 | $2,292 |
| O-6 | $1,881 | $2,307 |
| O-7+ | $1,911 | $2,319 |
Rates took effect on January 1, 2026. The O-7+ row also covers O-8, O-9, and O-10, who are paid at the O-7 locality rate. BAH is a tax-free allowance, so these amounts are worth more than the same figures in taxable basic pay.
Worked examples for County Cost Group 610
An E-5 with dependents in this area receives $1,410 per month, or $16,920 over a full year. An E-7 with dependents receives $1,779 per month ($21,348 per year). An O-3 without dependents receives $1,599 per month ($19,188 per year). If your rent comes in below your rate, you keep the difference; if it runs above, the difference comes out of pocket.
Good to know about BAH in this area
Rate protection: if 2026 rates for this area fell for your grade, you keep your earlier higher rate for as long as you stay at this duty station with no break in eligibility. Changing stations: when you PCS, this table stops applying and the new station's MHA table takes over. Barracks and government quarters: members living in government quarters generally do not receive BAH, with narrow exceptions such as having dependents who live elsewhere. Finding your ZIP: if you are unsure which MHA your orders fall under, check the ZIP code of your duty station against the official lookup linked below.
BAH rates in nearby areas
- County Cost Group 590 BAH rates (MHA ZZ590)
- County Cost Group 600 BAH rates (MHA ZZ600)
- County Cost Group 620 BAH rates (MHA ZZ620)
- County Cost Group 630 BAH rates (MHA ZZ630)
See the full index of 2026 BAH rates by location, or use the BAH calculator for the RC/Transient baseline rates and a deeper guide to how BAH works.
County Cost Group 610 BAH FAQs
What is the 2026 BAH rate for an E-5 in County Cost Group 610?
An E-5 in the County Cost Group 610 area (ZZ610) receives $1,410 per month with dependents or $1,143 per month without dependents in 2026. BAH is tax-free, and the rate took effect on January 1, 2026.
What is the highest BAH rate in County Cost Group 610?
The highest 2026 locality rate in County Cost Group 610 is $2,319 per month, paid to an O-7 through O-10 with dependents. Rates top out at the O-7 level: O-8, O-9, and O-10 are paid at the same locality rate as O-7.
Does this BAH table apply to every installation in the County Cost Group 610 area?
Yes. BAH is set by duty station ZIP code, not by installation. This MHA covers 354 ZIP codes, and every duty station inside them uses this same table for 2026, across all services.
Why is my BAH different from the 2026 table?
Common reasons are BAH rate protection (you keep a higher earlier rate while you stay at the same station), a dependent status that differs from the one you looked up, or living in government quarters, where BAH generally is not paid. Your LES and your finance office are the final word on your individual rate.