What is O-5 BAH at Hampden County in 2026?

$3,978 per month with dependents ($47,736 per year), effective 01 JAN 2026. without dependents it is $3,201 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-5 BAH at Hampden County 2026 — $3,978/mo with dependents

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

Hampden County, MA

O-5 · with dependents

$3,978/ month

$47,736 / year

At O-5, this is #66 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

MHA MA126 · ZIPs 01001 01002 01003 01004 01007 01008 +114 more

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Untaxed — matching it with taxable pay takes$5,100 / mo gross

Other dependency status here$3,201 without dependents

In government quarters, no dependents$50.10 / mo partial

Hampden County — full sheetTap a row

Grade	With 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

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Fort G. G. Meade$4,014

Ketchikan$4,002

Riverside$4,002

Madison$3,993

Hampden County$3,978

Cape May$3,969

Willow Grove$3,939

Everett$3,936

Vallejo$3,927

Youngstown$1,827

Hampden County is #66 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 a year, untaxed.

Every pay grade at Hampden County0 – $4,038 / month

E-1$2,268

E-2$2,268

E-3$2,268

E-4$2,268

E-5$2,388

E-6$2,850

E-7$3,063

E-8$3,288

E-9$3,522

W-1$2,874

W-2$3,153

W-3$3,435

W-4$3,555

W-5$3,702

O-1E$3,105

O-2E$3,393

O-3E$3,576

O-1$2,451

O-2$2,847

O-3$3,426

O-4$3,747

O-5$3,978

O-6$4,011

O-7$4,038

Promoting to O-6 here adds $33 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Hampden County to Westchester County at O-5 is worth $4,086 a month — about 124 promotions worth of housing allowance, at $33 per grade here.

Dependency status is worth 24% 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.

None of it is taxed. $3,978 a month of BAH takes more than $3,978 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-5 with dependents at Hampden County draws $3,978 per month in 2026

What this rate means

Things the rate table doesn't tell you