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 $5,535Without $4,584

    O-4 at Hanscom AFB draws $5,535 per month with dependents in 2026, $4,584 without

    Permalinkbahratedesk.com/hanscom-afb-ma/o-4/ExcelCSVDownloads cover this station.
    Hanscom AFB, MA
    O-4 · with dependents
    $5,535/ month
    $66,420 / year
    At O-4, this is #10 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA MA377 · ZIPs 01730 01731 01741 01742 01773 01803 +19 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$7,096 / mo gross
    Without dependents here$4,584 / mo
    In government quarters, no dependents$50.10 / mo partial
    Hanscom AFB — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,984$3,012
    E-2$3,984$3,012
    E-3$3,984$3,012
    E-4$3,984$3,012
    E-5$4,188$3,516
    E-6$4,479$3,801
    E-7$4,584$3,993
    E-8$4,698$4,251
    E-9$4,983$4,329
    Warrant officer
    W-1$4,497$3,924
    W-2$4,632$4,248
    W-3$4,773$4,341
    W-4$5,061$4,497
    W-5$5,409$4,608
    Officer — prior enlisted
    O-1E$4,602$4,185
    O-2E$4,752$4,311
    O-3E$5,115$4,470
    Officer
    O-1$4,230$3,780
    O-2$4,476$4,122
    O-3$4,770$4,371
    O-4$5,535$4,584
    O-5$6,087$4,647
    O-6$6,141$4,752
    O-7$6,192$4,839
    PCS compareHanscom AFB · O-4 · $5,535/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$2,139−$25,668/yr · like −$32,908 of salary

    What this rate means

    O-4 with dependents, nearest stations0 – $7,470 / month
    Westchester County$7,470
    Boston$5,928
    Santa Clara County$5,856
    Florida Keys$5,655
    Northern New Jersey$5,610
    Hanscom AFB$5,535
    Long Island$5,502
    Martha's Vineyard$5,385
    Kauai County$5,376
    Essex CO$5,301
    Youngstown$1,809

    Hanscom AFB is #10 of 338. The spread between the dearest and cheapest station at this grade is $5,661 a month — $67,932 a year, untaxed.

    Every pay grade at Hanscom AFB0 – $6,192 / month
    E-1$3,984
    E-2$3,984
    E-3$3,984
    E-4$3,984
    E-5$4,188
    E-6$4,479
    E-7$4,584
    E-8$4,698
    E-9$4,983
    W-1$4,497
    W-2$4,632
    W-3$4,773
    W-4$5,061
    W-5$5,409
    O-1E$4,602
    O-2E$4,752
    O-3E$5,115
    O-1$4,230
    O-2$4,476
    O-3$4,770
    O-4$5,535
    O-5$6,087
    O-6$6,141
    O-7$6,192

    Promoting to O-5 here adds $552 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 Hanscom AFB to Westchester County at O-4 is worth $1,935 a month — about 4 promotions worth of housing allowance, at $552 per grade here.

    02

    Dependency status is worth 21% 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. $5,535 a month of BAH takes more than $5,535 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.