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
    With $3,555Without $2,898

    W-4 at Hampden County draws $3,555 per month with dependents in 2026, $2,898 without

    Permalinkbahratedesk.com/hampden-county-ma/w-4/ExcelCSVDownloads cover this station.
    Hampden County, MA
    W-4 · with dependents
    $3,555/ month
    $42,660 / year
    At W-4, this is #63 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779
    MHA MA126 · ZIPs 01001 01002 01003 01004 01007 01008 +114 more
    Your grade is calledARMYCW4USMCCWO4NAVYCWO4
    Untaxed — matching it with taxable pay takes$4,558 / mo gross
    Without dependents here$2,898 / mo
    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 · W-4 · $3,555/mo
    Aberdeen Proving Grounds$3,198/mo · $38,376/yr
    ▼ CUT−$357−$4,284/yr · like −$5,492 of salary

    What this rate means

    W-4 with dependents, nearest stations0 – $6,963 / month
    Westchester County$6,963
    Vallejo$3,621
    Austin$3,597
    Annapolis$3,585
    Madison$3,558
    Hampden County$3,555
    Fort G. G. Meade$3,543
    Sitka$3,531
    JB Elmendorf-Richardson$3,528
    Ann Arbor$3,528
    Stevens Point$1,779

    Hampden County is #63 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 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 W-5 here adds $147 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 Westchester County at W-4 is worth $3,408 a month — about 23 promotions worth of housing allowance, at $147 per grade here.

    02

    Dependency status is worth 23% 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. $3,555 a month of BAH takes more than $3,555 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.