2015 Military Housing Area Names

A 2015 list of MHA’s (Military Housing Areas) and the component breakdown that rent and utilities provide to the total housing cost in each MHA.  MHA’s are determined by a set of zip codes and used to group areas and compute BAH (Basic Allowance Housing) Rates.  A service member’s actual percentage may be above or below the average percentage listed for each component in an MHA.

The Basic Allowance for Housing rates are based on the local costs of rent and household utilities in each military housing area and deducts one percent out-of-pocket amount.

The DOD consults with real estate professionals in each MHA to confirm market rental prices and obtain additional data. Where available, they also contact forts, posts, bases and housing referral offices and installation leadership.

2015 BAH Component Breakdown (Rounded to nearest 1 percent)
MHA Military Housing Area Name Rent (Avg. % of total BAH rate) Utilities (Avg. % of total BAH Rate)
Alaska
AK400 KETCHIKAN, AK 72% 28%
AK401 SITKA, AK 73% 27%
AK402 JUNEAU, AK 75% 25%
AK403 KODIAK ISLAND, AK 78% 22%
AK404 ANCHORAGE, AK 84% 16%
AK405 FAIRBANKS, AK 69% 31%
Alabama
AL001 ANNISTON/FORT MCCLELLAN, AL 68% 32%
AL002 FORT RUCKER, AL 75% 25%
AL003 HUNTSVILLE, AL 78% 22%
AL004 MOBILE, AL 76% 24%
AL005 MONTGOMERY, AL 76% 24%
AL006 AUBURN, AL 75% 25%
AL007 BIRMINGHAM, AL 73% 27%
Arkansas
AR010 LITTLE ROCK, AR 78% 22%
AR012 FORT CHAFFEE/FORT SMITH, AR 72% 28%
AR411 FAYETTEVILLE, AR 77% 23%
Arizona
AZ013 PHOENIX, AZ 79% 21%
AZ014 FORT HUACHUCA, AZ 76% 24%
AZ015 DAVIS-MONTHAN AFB, AZ 80% 20%
AZ016 YUMA, AZ 74% 26%
California
CA018 OAKLAND, CA 92% 8%
CA019 SAN FRANCISCO, CA 93% 7%
CA021 CHINA LAKE, CA 78% 22%
CA022 FRESNO, CA 82% 18%
CA023 LEMOORE NAS, CA 80% 20%
CA024 CAMP PENDLETON, CA 89% 11%
CA025 VENTURA, CA 90% 10%
CA026 VANDENBERG AFB, CA 88% 12%
CA027 MARIN/SONOMA, CA 90% 10%
CA028 BARSTOW/FORT IRWIN, CA 78% 22%
CA031 SAN BERNARDINO, CA 86% 14%
CA032 TWENTY NINE PALMS MCB, CA 76% 24%
CA033 BEALE AFB, CA 84% 16%
CA034 SACRAMENTO, CA 86% 14%
CA035 STOCKTON, CA 82% 18%
CA036 VALLEJO/TRAVIS AFB, CA 87% 13%
CA037 LOS ANGELES, CA 91% 9%
CA038 SAN DIEGO, CA 90% 10%
CA039 MONTEREY, CA 89% 11%
CA041 RIVERSIDE, CA 87% 13%
CA042 HUMBOLDT COUNTY, CA 83% 17%
CA044 SANTA CLARA COUNTY, CA 93% 7%
CA392 SAN LUIS OBISPO, CA 89% 11%
CA393 BRIDGEPORT, CA 80% 20%
CA420 EL CENTRO, CA 79% 21%
CA457 EDWARDS AFB/PALMDALE, CA 85% 15%
Colorado
CO045 DENVER, CO 85% 15%
CO046 COLORADO SPRINGS, CO 84% 16%
CO047 FORT COLLINS, CO 84% 16%
CO422 BOULDER, CO 89% 11%
Conneticut
CT049 NEW LONDON, CT 76% 24%
CT050 HARTFORD, CT 80% 20%
CT051 NEW HAVEN/FAIRFIELD, CT 85% 15%
District of Columbia – Washington D.C.
DC053 WASHINGTON, DC METRO AREA 86% 14%
Delaware
DE054 DOVER AFB/REHOBOTH, DE 76% 24%
Florida
FL056 EGLIN AFB, FL 80% 20%
FL057 GAINESVILLE, FL 77% 23%
FL058 JACKSONVILLE, FL 77% 23%
FL059 PATRICK AFB, FL 82% 18%
FL061 MIAMI/FORT LAUDERDALE, FL 85% 15%
FL062 ORLANDO, FL 79% 21%
FL063 PANAMA CITY, FL 78% 22%
FL064 PENSACOLA, FL 78% 22%
FL065 TALLAHASSEE, FL 74% 26%
FL066 TAMPA, FL 82% 18%
FL067 WEST PALM BEACH, FL 83% 17%
FL068 OCALA, FL 76% 24%
FL069 FLORIDA KEYS, FL 86% 14%
FL070 VOLUSIA COUNTY, FL 78% 22%
FL423 FORT PIERCE, FL 77% 23%
FL424 FT MYERS BCH, FL 78% 22%
Georgia
GA071 ATLANTA, GA 77% 23%
GA072 ALBANY, GA 69% 31%
GA073 FORT GORDON, GA 76% 24%
GA074 KINGS BAY/BRUNSWICK, GA 77% 23%
GA075 FORT BENNING, GA 78% 22%
GA076 ROBINS AFB, GA 76% 24%
GA077 SAVANNAH, GA 80% 20%
GA078 ATHENS, GA 75% 25%
GA079 DAHLONEGA, GA 77% 23%
GA080 FORT STEWART, GA 81% 19%
GA081 MOODY AFB, GA 75% 25%
Hawaii
HI407 MAUI COUNTY, HI 83% 17%
HI408 HONOLULU COUNTY, HI 87% 13%
HI409 HAWAII COUNTY, HI 77% 23%
HI414 KAUAI COUNTY,HI 80% 20%
Iowa
IA082 DES MOINES, IA 80% 20%
Idaho
ID084 BOISE, ID 79% 21%
ID086 MOUNTAIN HOME AFB, ID 76% 24%
Illinois
IL088 CHAMPAIGN/URBANA, IL 73% 27%
IL089 ROCK ISLAND, IL 82% 18%
IL090 PEORIA, IL 76% 24%
IL092 GREAT LAKES NAVTRACEN, IL 80% 20%
IL093 SCOTT AFB, IL 73% 27%
IL325 CHICAGO, IL 85% 15%
IL335 SPRINGFIELD/DECATUR,IL 72% 28%
Indiana
IN094 INDIANAPOLIS, IN 78% 22%
IN097 FORT WAYNE, IN 73% 27%
IN099 SOUTH BEND, IN 75% 25%
IN338 TERRE HAUTE, IN 70% 30%
IN399 BLOOMINGTON, IN 77% 23%
Kansas
KS100 FORT RILEY, KS 81% 19%
KS101 WICHITA/MCCONNELL AFB, KS 77% 23%
KS102 FORT LEAVENWORTH, KS 75% 25%
KS105 TOPEKA, KS 77% 23%
KS334 SALINA, KS 72% 28%
Kentucky
KY106 FORT CAMPBELL, KY 80% 20%
KY107 LEXINGTON, KY 80% 20%
KY109 LOUISVILLE, KY 80% 20%
KY110 FORT KNOX, KY 77% 23%
KY339 FRANKFORT, KY 73% 27%
KY430 PADUCAH, KY 75% 25%
Louisiana
LA113 ALEXANDRIA, LA 74% 26%
LA114 BATON ROUGE, LA 81% 19%
LA115 FORT POLK, LA 75% 25%
LA116 NEW ORLEANS, LA 78% 22%
LA117 SHREVEPORT/BARKSDALE AFB, L 81% 19%
LA118 LAFAYETTE, LA 82% 18%
LA326 ST MARY AND TERREBONNE, LA 82% 18%
LA370 LAKE CHARLES, LA 82% 18%
LA371 MONROE, LA 74% 26%
Massachusetts
MA119 NANTUCKET, MA 85% 15%
MA120 BOSTON, MA 85% 15%
MA121 CAPE COD, MA 80% 20%
MA122 WORCESTER, MA 79% 21%
MA123 FITCHBURG, MA 81% 19%
MA124 PLYMOUTH, MA 81% 19%
MA125 ESSEX CO, MA 83% 17%
MA126 HAMPDEN COUNTY, MA 78% 22%
MA151 MARTHA’S VINEYARD, MA 85% 15%
MA377 HANSCOM AFB, MA 85% 15%
Maryland
MD127 ABERDEEN PROVING GROUNDS, M 80% 20%
MD128 ANNAPOLIS, MD 83% 17%
MD129 BALTIMORE, MD 83% 17%
MD130 FORT DETRICK, MD 82% 18%
MD133 FORT G. G. MEADE, MD 84% 16%
MD134 INDIAN HEAD NAVORDSTA, MD 82% 18%
MD135 PATUXENT RIVER, MD 79% 21%
MD432 OCEAN CITY, MD 74% 26%
MD458 OXFORD,MD 76% 24%
Maine
ME136 BRUNSWICK, ME 72% 28%
ME139 PORTLAND, ME 80% 20%
ME141 COASTAL MAINE, ME 75% 25%
ME390 BANGOR, ME 71% 29%
Michigan
MI142 DETROIT, MI 81% 19%
MI143 MARQUETTE, MI 76% 24%
MI145 SAULT STE MARIE, MI 70% 30%
MI146 TRAVERSE CITY, MI 81% 19%
MI148 GRAND HAVEN, MI 77% 23%
MI152 BATTLE CREEK/KALAMAZOO, MI 77% 23%
MI153 LANSING, MI 77% 23%
MI154 GRAND RAPIDS, MI 79% 21%
MI155 ANN ARBOR, MI 82% 18%
MI156 SAGINAW, MI 70% 30%
Minnesota
MN158 DULUTH, MN 78% 22%
MN159 MINNEAPOLIS/ST PAUL, MN 83% 17%
MIssouri
MO160 KANSAS CITY, MO 77% 23%
MO161 ST. LOUIS, MO 79% 21%
MO162 WHITEMAN AFB, MO 72% 28%
MO163 FORT LEONARD WOOD, MO 75% 25%
MO164 SPRINGFIELD, MO 75% 25%
MO165 COLUMBIA/JEFFERSON CITY,MO 76% 24%
MO344 SAINT JOSEPH, MO 73% 27%
Mississippi
MS168 GULFPORT, MS 76% 24%
MS169 COLUMBUS AFB, MS 73% 27%
MS170 JACKSON, MS 81% 19%
MS171 MERIDIAN, MS 74% 26%
MS172 HATTIESBURG, MS 77% 23%
Montana
MT175 MALMSTROM AFB/GREAT FLS, MT 75% 25%
MT347 HELENA, MT 77% 23%
North Carolina
NC176 OUTER BANKS, NC 75% 25%
NC177 MOREHEAD/CHERRY PT MCAS, NC 74% 26%
NC178 CAMP LEJEUNE, NC 74% 26%
NC179 CHARLOTTE, NC 81% 19%
NC180 DURHAM/CHAPEL HILL, NC 83% 17%
NC181 ELIZABETH CITY, NC 78% 22%
NC182 FORT BRAGG/POPE AFB, NC 75% 25%
NC183 SEYMOUR JOHNSON AFB, NC 70% 30%
NC184 GREENSBORO, NC 76% 24%
NC185 RALEIGH, NC 79% 21%
NC186 WILMINGTON, NC 78% 22%
NC187 ASHEVILLE, NC 80% 20%
North Dakota
ND188 BISMARCK, ND 83% 17%
ND189 FARGO, ND 76% 24%
ND190 GRAND FORKS, ND 78% 22%
ND191 MINOT AFB, ND 86% 14%
Nebraska
NE192 OMAHA/OFFUTT AFB, NE 79% 21%
NE193 LINCOLN, NE 81% 19%
New Hampshire
NH194 PORTSMOUTH, NH/KITTERY, ME 80% 20%
NH195 MANCHESTER/CONCORD, NH 82% 18%
New Jersey
NJ196 ATLANTIC CITY, NJ 79% 21%
NJ198 CAPE MAY, NJ 77% 23%
NJ200 FORT MONMOUTH/EARLE NWS, NJ 84% 16%
NJ201 PERTH AMBOY, NJ 82% 18%
NJ202 NORTHERN NEW JERSEY 81% 19%
NJ203 TRENTON, NJ 83% 17%
NJ204 JB MCGUIRE-DIX-LAKEHURST, N 80% 20%
New Mexico
NM205 HOLLOMAN AFB/ALAMOGORDO, NM 82% 18%
NM206 ALBUQUERQUE/KIRTLAND AFB, N 82% 18%
NM207 CANNON AFB/CLOVIS, NM 79% 21%
NM209 WHITE SANDS MR/LAS CRUCES, 80% 20%
NM210 SANTA FE/LOS ALAMOS, NM 83% 17%
Nevada
NV211 FALLON NAS, NV 73% 27%
NV212 NELLIS AFB/LAS VEGAS, NV 79% 21%
NV213 RENO/CARSON CITY, NV 78% 22%
New York
NY215 BALLSTON SPA/ALBANY, NY 78% 22%
NY216 BUFFALO, NY 79% 21%
NY217 WEST POINT, NY 82% 18%
NY218 LONG ISLAND, NY 84% 16%
NY219 NEW YORK CITY, NY 87% 13%
NY221 ROCHESTER, NY 78% 22%
NY222 ROME/GRIFFISS AFB, NY 73% 27%
NY223 SYRACUSE, NY 75% 25%
NY225 FORT DRUM/WATERTOWN, NY 76% 24%
NY349 WESTCHESTER COUNTY, NY 82% 18%
NY413 STATEN ISLAND, NY 81% 19%
Ohio
OH227 AKRON, OH 77% 23%
OH228 CINCINNATI, OH 77% 23%
OH229 CLEVELAND, OH 77% 23%
OH230 COLUMBUS, OH 77% 23%
OH231 WRIGHT-PATTERSON AFB, OH 76% 24%
OH232 TOLEDO, OH 75% 25%
OH233 YOUNGSTOWN, OH 70% 30%
Oklahoma
OK235 ALTUS AFB, OK 67% 33%
OK236 VANCE AFB/ENID, OK 75% 25%
OK237 FORT SILL/LAWTON, OK 75% 25%
OK239 OKLAHOMA CITY, OK 77% 23%
OK240 TULSA, OK 78% 22%
Oregon
OR241 ASTORIA, OR 77% 23%
OR242 COOS BAY, OR 84% 16%
OR243 PORTLAND, OR 84% 16%
OR244 SALEM, OR 77% 23%
OR245 CORVALLIS, OR 81% 19%
OR246 EUGENE, OR 82% 18%
OR373 KLAMATH FALLS, OR 72% 28%
Pennsylvania
PA247 CARLISLE BARRACKS, PA 78% 22%
PA248 PHILADELPHIA, PA/CAMDEN, NJ 81% 19%
PA249 WILLOW GROVE, PA 81% 19%
PA250 PITTSBURGH, PA 81% 19%
PA252 STATE COLLEGE, PA 78% 22%
PA253 ERIE, PA 74% 26%
PA254 WILKES-BARRE/SCRANTON, PA 73% 27%
PA255 ALLENTOWN/BETHLEHEM, PA 79% 21%
PA383 JOHNSTOWN, PA 63% 37%
Rhode Island
RI256 NEWPORT, RI 80% 20%
RI257 PROVIDENCE, RI 80% 20%
South Carolina
SC258 BEAUFORT/PARRIS ISLAND, SC 80% 20%
SC259 CHARLESTON, SC 79% 21%
SC260 COLUMBIA/FORT JACKSON, SC 78% 22%
SC261 GREENVILLE, SC 79% 21%
SC262 MYRTLE BEACH, SC 77% 23%
SC263 SUMTER/SHAW AFB, SC 74% 26%
South Dakota
SD264 RAPID CITY/ELLSWORTH AFB, S 81% 19%
SD265 SIOUX FALLS, SD 82% 18%
Tennesee
TN266 CHATTANOOGA, TN 81% 19%
TN267 KNOXVILLE, TN 75% 25%
TN268 MEMPHIS, TN 76% 24%
TN269 NASHVILLE, TN 83% 17%
TN353 JOHNSON CITY/KINGSPORT, TN 76% 24%
Texas
TX270 ABILENE/DYESS AFB, TX 75% 25%
TX272 AUSTIN, TX 84% 16%
TX273 BEAUMONT, TX 82% 18%
TX274 COLLEGE STATION, TX 79% 21%
TX275 CORPUS CHRISTI, TX 81% 19%
TX277 DALLAS, TX 81% 19%
TX278 LAUGHLIN AFB/DEL RIO, TX 72% 28%
TX279 EL PASO, TX 85% 15%
TX281 BROWNSVILLE, TX 78% 22%
TX282 HOUSTON, TX 84% 16%
TX283 LUBBOCK, TX 80% 20%
TX284 GOODFELLOW AFB, TX 78% 22%
TX285 SAN ANTONIO, TX 81% 19%
TX286 FORT HOOD, TX 77% 23%
TX288 WICHITA FLS/SHEPPARD AFB, T 77% 23%
TX356 FORT WORTH, TX 79% 21%
TX415 WACO,TX 75% 25%
Utah
UT291 OGDEN/HILL AFB, UT 81% 19%
UT292 SALT LAKE CITY, UT 84% 16%
UT357 PROVO, UT 82% 18%
Virginia
VA295 CHARLOTTESVILLE, VA 81% 19%
VA296 QUANTICO/WOODBRIDGE, VA 82% 18%
VA297 HAMPTON/NEWPORT NEWS, VA 81% 19%
VA298 NORFOLK/PORTSMOUTH, VA 80% 20%
VA301 RICHMOND/FORT LEE, VA 76% 24%
VA302 WARRENTON, VA 85% 15%
VA303 LEXINGTON, VA 74% 26%
VA362 ROANOKE, VA 77% 23%
VA368 DAHLGREN/FORT AP HILL, VA 81% 19%
Vermont
VT305 BURLINGTON, VT 83% 17%
Washington
WA306 BREMERTON, WA 79% 21%
WA307 EVERETT, WA 84% 16%
WA308 PORT ANGELES, WA 74% 26%
WA309 SEATTLE, WA 86% 14%
WA310 SPOKANE, WA 77% 23%
WA311 TACOMA, WA 81% 19%
WA312 WHIDBEY ISLAND, WA 78% 22%
WA313 YAKIMA, WA 75% 25%
Wisconsin
WI316 MADISON, WI 82% 18%
WI317 MILWAUKEE, WI 80% 20%
WI318 SPARTA/FORT MCCOY, WI 73% 27%
WI359 STEVENS POINT, WI 70% 30%
West Virginia
WV320 MORGANTOWN, WV 80% 20%
WV322 HUNTINGTON, WV 76% 24%
WV323 CHARLESTON, WV 72% 28%
WV454 MARTINSBURG, WV 74% 26%
Wyoming
WY324 CHEYENNE, WY 77% 23%
County Cost Groups
ZZ510 COUNTY COST GROUP 510 N/A N/A
ZZ520 COUNTY COST GROUP 520 N/A N/A
ZZ530 COUNTY COST GROUP 530 N/A N/A
ZZ540 COUNTY COST GROUP 540 N/A N/A
ZZ550 COUNTY COST GROUP 550 N/A N/A
ZZ560 COUNTY COST GROUP 560 N/A N/A
ZZ570 COUNTY COST GROUP 570 N/A N/A
ZZ580 COUNTY COST GROUP 580 N/A N/A
ZZ590 COUNTY COST GROUP 590 N/A N/A
ZZ600 COUNTY COST GROUP 600 N/A N/A
ZZ610 COUNTY COST GROUP 610 N/A N/A
ZZ620 COUNTY COST GROUP 620 N/A N/A
ZZ630 COUNTY COST GROUP 630 N/A N/A
ZZ640 COUNTY COST GROUP 640 N/A N/A
ZZ650 COUNTY COST GROUP 650 N/A N/A
ZZ660 COUNTY COST GROUP 660 N/A N/A
ZZ670 COUNTY COST GROUP 670 N/A N/A
ZZ680 COUNTY COST GROUP 680 N/A N/A
ZZ690 COUNTY COST GROUP 690 N/A N/A
ZZ700 COUNTY COST GROUP 700 N/A N/A
ZZ710 COUNTY COST GROUP 710 N/A N/A
ZZ720 COUNTY COST GROUP 720 N/A N/A
ZZ730 COUNTY COST GROUP 730 N/A N/A
ZZ740 COUNTY COST GROUP 740 N/A N/A
ZZ750 COUNTY COST GROUP 750 N/A N/A
ZZ760 COUNTY COST GROUP 760 N/A N/A
ZZ770 COUNTY COST GROUP 770 N/A N/A
ZZ780 COUNTY COST GROUP 780 N/A N/A
ZZ790 COUNTY COST GROUP 790 N/A N/A
ZZ800 COUNTY COST GROUP 800 N/A N/A
ZZ810 COUNTY COST GROUP 810 N/A N/A
ZZ820 COUNTY COST GROUP 820 N/A N/A
ZZ830 COUNTY COST GROUP 830 N/A N/A
ZZ840 COUNTY COST GROUP 840 N/A N/A
ZZ850 COUNTY COST GROUP 850 N/A N/A
ZZ860 COUNTY COST GROUP 860 N/A N/A
ZZ870 COUNTY COST GROUP 870 N/A N/A
ZZ880 COUNTY COST GROUP 880 N/A N/A
ZZ890 COUNTY COST GROUP 890 N/A N/A
XX499 UNKNOWN, NA N/A N/A

About half the U.S. Counties (about 1,500) have little to no military population. While half the zip codes is significant, less than two percent of service members that are eligible for Basic Allowance for Housing (BAH) are within these counties. In order to account for these service members there are approximately 30 separate County Cost Groups (CCGs) assigned, each with similar housing costs. Use the BAH Calculator to enter your zip code to determine your Military Housing Area (MHA) aka County Cost Group. They range from ZZ510 to ZZ890 in increments of 10.

Related Articles
2016 BAS (Basic Allowance for Housing) Rates 2015 BAH Rates By State and Local MHA
BAH Calculator BAH Rate Differences Explained
2015 Non-Locality BAH Rates Military Housing Area Names
Monthly Housing Allowance (MHA) for Post 9/11 GI Bill Post 9/11 GI Bill BAH Rate for Online Colleges

Comments