BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-1 without dependents at Hampden County draws $2,145 per month in 2026

    Permalinkbahratedesk.com/hampden-county-ma/o-1/without/ExcelCSVDownloads cover this station.
    Hampden County, MA
    O-1 · without dependents
    $2,145/ month
    $25,740 / year
    At O-1, this is #91 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,074
    MHA MA126 · ZIPs 01001 01002 01003 01004 01007 01008 +114 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,750 / mo gross
    Other dependency status here$2,451 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Hampden County — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,268$1,752
    E-2$2,268$1,752
    E-3$2,268$1,752
    E-4$2,268$1,752
    E-5$2,388$2,007
    E-6$2,850$2,154
    E-7$3,063$2,298
    E-8$3,288$2,484
    E-9$3,522$2,643
    Warrant officer
    W-1$2,874$2,241
    W-2$3,153$2,481
    W-3$3,435$2,646
    W-4$3,555$2,898
    W-5$3,702$3,114
    Officer — prior enlisted
    O-1E$3,105$2,385
    O-2E$3,393$2,589
    O-3E$3,576$2,844
    Officer
    O-1$2,451$2,145
    O-2$2,847$2,352
    O-3$3,426$2,682
    O-4$3,747$3,075
    O-5$3,978$3,201
    O-6$4,011$3,414
    O-7$4,038$3,474
    PCS compareHampden County · O-1 · $2,145/mo
    Aberdeen Proving Grounds$2,055/mo · $24,660/yr
    ▼ CUT−$90−$1,080/yr · like −$1,385 of salary

    What this rate means

    O-1 without dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    Ketchikan$2,160
    County Cost Group 860$2,157
    Kodiak Island$2,157
    Patrick SFB$2,148
    Hampden County$2,145
    Allentown$2,142
    Charlottesville$2,142
    Ballston Spa$2,139
    Madison$2,133
    Youngstown$1,074

    Hampden County is #91 of 338. The spread between the dearest and cheapest station at this grade is $3,993 a month — $47,916 a year, untaxed.

    Every pay grade at Hampden County0 – $3,474 / month
    E-1$1,752
    E-2$1,752
    E-3$1,752
    E-4$1,752
    E-5$2,007
    E-6$2,154
    E-7$2,298
    E-8$2,484
    E-9$2,643
    W-1$2,241
    W-2$2,481
    W-3$2,646
    W-4$2,898
    W-5$3,114
    O-1E$2,385
    O-2E$2,589
    O-3E$2,844
    O-1$2,145
    O-2$2,352
    O-3$2,682
    O-4$3,075
    O-5$3,201
    O-6$3,414
    O-7$3,474

    Promoting to O-2 here adds $207 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Hampden County to New York City at O-1 is worth $2,922 a month — about 14 promotions worth of housing allowance, at $207 per grade here.

    02

    Dependency status is worth 14% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $2,145 a month of BAH takes more than $2,145 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't 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.