What ZIP Code to Use for BAH

BAH is based on duty station ZIP — not where you live. Stationed at Pendleton but renting in Temecula? You get the Pendleton rate. This creates a strategy: live cheaper than your BAH and pocket the difference.

Exception: County Cost Groups (CCGs). About 1,500 counties with minimal military population are grouped into ~30 CCGs with standardized rates. Use the calculator with your exact ZIP to verify.