2025 BAH Rates in Maine – ZIP Code Housing Allowance
The 2025 Basic Allowance for Housing (BAH) rates in Maine are now available. This tax-free monthly housing benefit helps active-duty service members cover the cost of off-base housing based on ZIP code, rank, and dependent status. Whether you’re stationed at Portsmouth Naval Shipyard, Joint Base Brunswick, or Bangor ANG Base, you can find your updated rates below.
Maine’s BAH rates for 2025 increased modestly in areas like Kittery, Brunswick, and Bangor. To view national trends, visit our BAH update center, or explore local financing in our Maine VA loan guide.
Find out how much home your BAH can buy
View BAH Rates in:
What is the Basic Allowance for Housing (BAH)?
BAH is a tax-free monthly housing allowance provided to military members who live off base. It helps cover rent and housing costs near duty locations like the Portsmouth Naval Shipyard in Kittery, Brunswick NAS, and Bangor Air National Guard Base.
How BAH Rates Are Calculated
- Location: ZIP codes like 03904 (Kittery), 04011 (Brunswick), and 04401 (Bangor) each have distinct cost-of-living adjustments.
- Rank: Your pay grade impacts the amount of BAH you receive — higher ranks receive larger housing allowances.
- Dependents: Members with dependents qualify for higher rates to help cover family housing needs.
How to Read the BAH Charts
- Find your base’s ZIP code or MHA (Military Housing Area)
- Identify your rank/pay grade (e.g., E-4, O-2)
- Check the rate for “with” or “without” dependents
How to Use Your BAH to Buy a Home
Rather than renting off base, many military families in Maine use their BAH to purchase a home with a VA loan. Whether you’re stationed near Portland, Kittery, or Bangor, you might be able to cover your entire mortgage with your housing allowance.
Why VA loans are a smart choice in Maine:
- No down payment required for most homes
- No PMI (private mortgage insurance)
- Flexible credit requirements
- Competitive interest rates through VA-backed lenders
Using BAH to build long-term equity is often smarter than renting — especially in Maine’s steady, homeowner-friendly markets.
Maine Housing Costs & BAH Impact
Maine’s housing market is relatively stable, with rent prices that remain moderate in most areas. BAH near Kittery and Brunswick is slightly higher due to proximity to coastal cities and naval infrastructure, while Bangor remains more affordable. In 2025, rate adjustments reflect modest increases across the state, helping military families cover rent without dipping into their base pay.
BRUNSWICK, ME BAH Rates
Military Housing Area: ME136
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,962 | $1,473 |
| E02 | $1,962 | $1,473 |
| E03 | $1,962 | $1,473 |
| E04 | $1,962 | $1,473 |
| E05 | $2,076 | $1,707 |
| E06 | $2,460 | $1,854 |
| E07 | $2,871 | $2,154 |
| E08 | $3,315 | $2,487 |
| E09 | $3,645 | $2,733 |
| W01 | $2,490 | $1,935 |
| W02 | $3,054 | $2,292 |
| W03 | $3,600 | $2,736 |
| W04 | $3,663 | $2,757 |
| W05 | $3,744 | $2,973 |
| O01E | $2,955 | $2,217 |
| O02E | $3,522 | $2,643 |
| O03E | $3,672 | $2,754 |
| O01 | $2,130 | $1,845 |
| O02 | $2,457 | $2,157 |
| O03 | $3,579 | $2,739 |
| O04 | $3,768 | $2,907 |
| O05 | $3,885 | $3,162 |
| O06 | $3,918 | $3,582 |
| O07 | $3,951 | $3,648 |
BAH for BRUNSWICK, ME includes the following zip codes: 4003, 4008, 4011, 4032, 4066, 4069, 4078, 4079, 4086, 4210, 4211, 4212, 4222, 4223, 4228, 4230, 4236, 4240, 4241, 4243, 4250, 4252, 4253, 4254, 4256, 4258, 4259, 4260, 4263, 4265, 4266, 4274, 4280, 4282, 4284, 4287, 4288, 4291, 4330, 4332, 4333, 4336, 4338, 4343, 4344, 4345, 4346, 4347, 4349, 4350, 4351, 4352, 4355, 4357, 4358, 4359, 4360, 4363, 4364, 4530, 4548, 4562, 4565, 4579, 4901, 4903, 4910, 4917, 4918, 4926, 4927, 4935, 4962, 4963, 4989
PORTLAND, ME BAH Rates
Military Housing Area: ME139
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,871 | $2,181 |
| E02 | $2,871 | $2,181 |
| E03 | $2,871 | $2,181 |
| E04 | $2,871 | $2,181 |
| E05 | $2,994 | $2,550 |
| E06 | $3,438 | $2,757 |
| E07 | $3,660 | $2,874 |
| E08 | $3,891 | $3,087 |
| E09 | $4,167 | $3,216 |
| W01 | $3,462 | $2,841 |
| W02 | $3,756 | $3,084 |
| W03 | $4,044 | $3,231 |
| W04 | $4,215 | $3,489 |
| W05 | $4,425 | $3,711 |
| O01E | $3,699 | $2,991 |
| O02E | $4,005 | $3,186 |
| O03E | $4,245 | $3,432 |
| O01 | $3,054 | $2,748 |
| O02 | $3,435 | $2,958 |
| O03 | $4,035 | $3,276 |
| O04 | $4,497 | $3,672 |
| O05 | $4,818 | $3,807 |
| O06 | $4,863 | $4,026 |
| O07 | $4,905 | $4,101 |
BAH for PORTLAND, ME includes the following zip codes: 4009, 4013, 4015, 4017, 4019, 4021, 4024, 4029, 4033, 4034, 4038, 4039, 4040, 4050, 4055, 4057, 4062, 4070, 4071, 4074, 4077, 4082, 4084, 4085, 4091, 4092, 4096, 4097, 4098, 4101, 4102, 4103, 4104, 4105, 4106, 4107, 4108, 4109, 4110, 4112, 4116, 4122, 4123, 4124
COASTAL MAINE, ME BAH Rates
Military Housing Area: ME141
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,983 | $1,488 |
| E02 | $1,983 | $1,488 |
| E03 | $1,983 | $1,488 |
| E04 | $1,983 | $1,488 |
| E05 | $2,148 | $1,686 |
| E06 | $2,619 | $1,965 |
| E07 | $2,661 | $1,995 |
| E08 | $2,700 | $2,247 |
| E09 | $2,763 | $2,382 |
| W01 | $2,640 | $1,980 |
| W02 | $2,676 | $2,244 |
| W03 | $2,733 | $2,400 |
| W04 | $2,778 | $2,625 |
| W05 | $2,838 | $2,670 |
| O01E | $2,664 | $2,145 |
| O02E | $2,721 | $2,352 |
| O03E | $2,784 | $2,613 |
| O01 | $2,211 | $1,812 |
| O02 | $2,616 | $2,097 |
| O03 | $2,730 | $2,448 |
| O04 | $2,856 | $2,655 |
| O05 | $2,943 | $2,673 |
| O06 | $2,967 | $2,709 |
| O07 | $2,991 | $2,760 |
BAH for COASTAL MAINE, ME includes the following zip codes: 4341, 4342, 4348, 4353, 4354, 4408, 4413, 4416, 4420, 4421, 4424, 4429, 4431, 4438, 4454, 4472, 4476, 4490, 4491, 4492, 4496, 4535, 4537, 4538, 4539, 4541, 4543, 4544, 4547, 4549, 4551, 4553, 4554, 4555, 4556, 4558, 4563, 4564, 4568, 4570, 4571, 4572, 4573, 4574, 4575, 4576, 4578, 4605, 4606, 4607, 4609, 4611, 4612, 4613, 4614, 4616, 4617, 4619, 4622, 4623, 4624, 4625, 4626, 4627, 4628, 4629, 4630, 4631, 4634, 4635, 4637, 4640, 4642, 4643, 4644, 4645, 4646, 4648, 4649, 4650, 4652, 4653, 4654, 4655, 4657, 4658, 4660, 4662, 4664, 4666, 4667, 4668, 4669, 4671, 4672, 4673, 4674, 4675, 4676, 4677, 4679, 4680, 4681, 4683, 4684, 4685, 4686, 4691, 4693, 4694, 4841, 4843, 4847, 4848, 4849, 4850, 4851, 4852, 4853, 4854, 4855, 4856, 4858, 4859, 4860, 4861, 4862, 4863, 4864, 4865, 4915, 4921, 4922, 4941, 4949, 4951, 4952, 4972, 4973, 4974, 4981, 4986, 4987, 4988
BANGOR, ME BAH Rates
Military Housing Area: ME390
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,698 | $1,275 |
| E02 | $1,698 | $1,275 |
| E03 | $1,698 | $1,275 |
| E04 | $1,698 | $1,275 |
| E05 | $1,887 | $1,416 |
| E06 | $2,088 | $1,563 |
| E07 | $2,229 | $1,704 |
| E08 | $2,382 | $1,932 |
| E09 | $2,526 | $1,983 |
| W01 | $2,106 | $1,644 |
| W02 | $2,292 | $1,929 |
| W03 | $2,484 | $1,992 |
| W04 | $2,544 | $2,115 |
| W05 | $2,619 | $2,265 |
| O01E | $2,253 | $1,884 |
| O02E | $2,457 | $1,971 |
| O03E | $2,553 | $2,076 |
| O01 | $1,920 | $1,506 |
| O02 | $2,085 | $1,830 |
| O03 | $2,478 | $2,010 |
| O04 | $2,640 | $2,235 |
| O05 | $2,748 | $2,322 |
| O06 | $2,772 | $2,466 |
| O07 | $2,793 | $2,511 |
BAH for BANGOR, ME includes the following zip codes: 4401, 4402, 4410, 4411, 4412, 4417, 4418, 4419, 4422, 4427, 4428, 4430, 4434, 4435, 4444, 4448, 4449, 4450, 4451, 4453, 4455, 4456, 4457, 4459, 4460, 4461, 4462, 4468, 4469, 4473, 4474, 4475, 4487, 4488, 4489, 4493, 4495, 4765, 4777, 4928, 4930, 4932, 4933, 4939, 4953, 4969
2025 BAH FAQs for Maine
How much did BAH increase in Maine for 2025?
BAH increased by 4.8% on average across the state, with the largest bumps seen in ZIPs near Kittery and Brunswick.
Where is BAH highest in Maine?
BAH is typically highest near the Portsmouth Naval Shipyard (ZIP 03904) due to higher housing costs in the Seacoast region.
What is the BAH for an E-5 with dependents at Brunswick?
In 2025, an E-5 with dependents stationed near Brunswick receives approximately $2,091/month in BAH.
Can BAH cover rent in Maine?
Yes. In most cases, BAH fully covers rent and utilities — particularly in central and northern parts of the state.
Is BAH taxable in Maine?
No. BAH is a federally tax-exempt benefit and does not count toward your income taxes.
Can I use BAH to get approved for a home loan?
Yes. Lenders count BAH as qualifying income for VA mortgage approval.
What ZIP codes are covered by Bangor ANG Base?
ZIP 04401 and surrounding areas are generally used for BAH calculations near Bangor.
Do single service members get BAH in Maine?
Yes, if authorized to live off base or if government quarters are unavailable.
When do BAH rates reset?
BAH rates are updated annually by the Department of Defense and take effect each January.
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