What is the Basic Allowance for Housing (BAH)?

The Basic Allowance for Housing (BAH) is a critical financial support provided to active-duty members of the U.S. military. It is designed to assist service members in covering housing expenses when they are stationed away from their permanent residences. The amount of BAH a service member receives is influenced by several factors, including their rank, whether they have dependents, and their specific duty location. This ensures that the allowance is tailored to match the local housing market conditions in Massachusetts.

Each year, the Department of Defense reviews and updates BAH rates to account for changes in housing costs. Below, you’ll find the latest BAH rates for Massachusetts, making it straightforward to determine the allowance that aligns with your rank and dependent status.

How BAH Rates Are Determined

BAH rates are calculated based on key factors to ensure fairness and adequacy:

• Location: Housing costs can vary significantly across different regions of Massachusetts, resulting in different BAH rates for each Military Housing Area (MHA).
• Rank: Higher-ranking service members receive larger allowances to reflect their increased responsibilities and housing needs.
• Dependents: Service members with dependents are eligible for higher BAH rates to accommodate their families appropriately.

The primary objective of BAH is to provide military personnel with the financial means to secure suitable and affordable housing within their assigned areas, promoting comfort and stability during their service in Massachusetts.

How to Use the BAH Charts

To determine your monthly BAH:

1. Identify your assigned Military Housing Area (MHA).
2. Locate your pay grade (rank) in the provided chart.
3. Determine if you have dependents.

By following these steps, you can easily find the appropriate housing allowance, facilitating effective financial planning during your assignment in Massachusetts.

2025 Massachusetts BAH Rate Charts

In 2025, BAH rates in Massachusetts have been adjusted in line with the national average increase of approximately 5.4%. This annual adjustment by the Department of Defense ensures that allowances remain competitive with local housing costs, providing necessary financial support for service members seeking off-base accommodations.

Below are the updated BAH rate charts for key Massachusetts Military Housing Areas (MHAs). Utilize these tables to quickly ascertain your housing allowance based on your rank and dependent status.

NANTUCKET, MA BAH Rates

Military Housing Area: MA119

Grade	With Dependents	Without Dependents
E01	$3,900	$2,925
E02	$3,900	$2,925
E03	$3,900	$2,925
E04	$3,900	$2,925
E05	$4,185	$3,354
E06	$4,860	$3,645
E07	$4,968	$3,912
E08	$5,079	$4,320
E09	$5,295	$4,524
W01	$4,881	$3,807
W02	$5,016	$4,317
W03	$5,154	$4,545
W04	$5,349	$4,881
W05	$5,583	$4,992
O01E	$4,983	$4,182
O02E	$5,136	$4,479
O03E	$5,382	$4,854
O01	$4,269	$3,612
O02	$4,851	$4,092
O03	$5,151	$4,614
O04	$5,664	$4,968
O05	$6,027	$5,031
O06	$6,084	$5,136
O07	$6,135	$5,235

BAH for NANTUCKET, MA includes the following zip codes: 2554, 2564, 2584

BOSTON, MA BAH Rates

Military Housing Area: MA120

Grade	With Dependents	Without Dependents
E01	$4,194	$3,147
E02	$4,194	$3,147
E03	$4,194	$3,147
E04	$4,194	$3,147
E05	$4,632	$3,489
E06	$4,770	$3,807
E07	$4,851	$4,215
E08	$4,941	$4,665
E09	$5,241	$4,692
W01	$4,785	$4,044
W02	$4,890	$4,662
W03	$5,004	$4,701
W04	$5,331	$4,779
W05	$5,724	$4,872
O01E	$4,863	$4,629
O02E	$4,989	$4,686
O03E	$5,391	$4,758
O01	$4,656	$3,753
O02	$4,767	$4,488
O03	$5,001	$4,713
O04	$5,868	$4,851
O05	$6,489	$4,899
O06	$6,552	$4,986
O07	$6,609	$5,079

BAH for BOSTON, MA includes the following zip codes: 1701, 1702, 1703, 1704, 1705, 1721, 1745, 1746, 1748, 1760, 1770, 1772, 1776, 1778, 1784, 1801, 1813, 1815, 1822, 1864, 1867, 1880, 1889, 1890, 1901, 1902, 1903, 1904, 1905, 1906, 1907, 1908, 1910, 1915, 1923, 1937, 1940, 1945, 1949, 1960, 1970, 2021, 2025, 2026, 2027, 2030, 2032, 2035, 2043, 2045, 2048, 2052, 2053, 2054, 2056, 2061, 2062, 2066, 2067, 2071, 2072, 2081, 2090, 2108, 2109, 2110, 2111, 2112, 2113, 2114, 2115, 2116, 2117, 2118, 2119, 2120, 2121, 2122, 2123, 2124, 2125, 2126, 2127, 2128, 2129, 2130, 2131, 2132, 2133, 2134, 2135, 2136, 2137, 2138, 2139, 2140, 2141, 2142, 2143, 2144, 2145, 2148, 2149, 2150, 2151, 2152, 2153, 2155, 2156, 2163, 2169, 2170, 2171, 2176, 2180, 2184, 2185, 2186, 2187, 2188, 2189, 2190, 2191, 2196, 2199, 2201, 2203, 2204, 2205, 2206, 2210, 2211, 2212, 2215, 2217, 2222, 2238, 2241, 2269, 2283, 2284, 2293, 2297, 2298, 2301, 2302, 2322, 2339, 2343, 2351, 2356, 2368, 2370, 2420, 2421, 2445, 2446, 2447, 2451, 2452, 2453, 2454, 2455, 2456, 2457, 2458, 2459, 2460, 2461, 2462, 2464, 2465, 2466, 2467, 2468, 2471, 2472, 2474, 2475, 2476, 2477, 2478, 2479, 2481, 2482, 2492, 2493, 2494, 2495

» MORE: Check your VA home loan eligibility with today’s top lenders

WORCESTER, MA BAH Rates

Military Housing Area: MA122

Grade	With Dependents	Without Dependents
E01	$2,739	$2,334
E02	$2,739	$2,334
E03	$2,739	$2,334
E04	$2,739	$2,334
E05	$2,862	$2,508
E06	$3,351	$2,619
E07	$3,426	$2,739
E08	$3,498	$2,964
E09	$3,717	$3,105
W01	$3,372	$2,706
W02	$3,456	$2,961
W03	$3,549	$3,123
W04	$3,783	$3,366
W05	$4,062	$3,441
O01E	$3,432	$2,859
O02E	$3,534	$3,075
O03E	$3,822	$3,345
O01	$2,925	$2,610
O02	$3,348	$2,826
O03	$3,546	$3,174
O04	$4,164	$3,420
O05	$4,605	$3,459
O06	$4,647	$3,528
O07	$4,686	$3,594

BAH for WORCESTER, MA includes the following zip codes: 1005, 1031, 1037, 1068, 1074, 1083, 1092, 1094, 1441, 1501, 1505, 1506, 1507, 1508, 1509, 1515, 1516, 1518, 1519, 1520, 1522, 1524, 1525, 1526, 1527, 1531, 1532, 1534, 1535, 1536, 1537, 1538, 1540, 1542, 1543, 1545, 1546, 1550, 1560, 1562, 1566, 1568, 1569, 1570, 1571, 1581, 1583, 1585, 1586, 1588, 1590, 1601, 1602, 1603, 1604, 1605, 1606, 1607, 1608, 1609, 1610, 1611, 1612, 1613, 1614, 1615, 1653, 1655, 1747, 1756, 1757

» MORE: Check your VA home loan eligibility with today’s top lenders

FITCHBURG, MA BAH Rates

Military Housing Area: MA123

Grade	With Dependents	Without Dependents
E01	$2,961	$2,376
E02	$2,961	$2,376
E03	$2,961	$2,376
E04	$2,961	$2,376
E05	$3,060	$2,688
E06	$3,441	$2,862
E07	$3,624	$2,961
E08	$3,822	$3,141
E09	$4,083	$3,249
W01	$3,462	$2,937
W02	$3,705	$3,138
W03	$3,948	$3,264
W04	$4,134	$3,480
W05	$4,359	$3,669
O01E	$3,657	$3,057
O02E	$3,915	$3,225
O03E	$4,167	$3,432
O01	$3,114	$2,856
O02	$3,438	$3,030
O03	$3,942	$3,303
O04	$4,437	$3,633
O05	$4,785	$3,747
O06	$4,827	$3,930
O07	$4,869	$4,005

BAH for FITCHBURG, MA includes the following zip codes: 1331, 1366, 1368, 1420, 1430, 1431, 1432, 1434, 1436, 1438, 1440, 1450, 1451, 1452, 1453, 1460, 1462, 1463, 1464, 1467, 1468, 1469, 1470, 1471, 1472, 1473, 1474, 1475, 1503, 1510, 1523, 1541, 1561, 1564, 1718, 1719, 1720, 1740, 1749, 1752, 1754, 1775

» MORE: Check official requirements for a VA loan

CAPE COD-PLYMOUTH, MA BAH Rates

Military Housing Area: MA124

Grade	With Dependents	Without Dependents
E01	$3,462	$2,829
E02	$3,462	$2,829
E03	$3,462	$2,829
E04	$3,462	$2,829
E05	$3,672	$3,099
E06	$3,786	$3,267
E07	$3,930	$3,468
E08	$4,089	$3,702
E09	$4,311	$3,723
W01	$3,801	$3,396
W02	$3,996	$3,699
W03	$4,194	$3,729
W04	$4,356	$3,813
W05	$4,551	$3,966
O01E	$3,957	$3,669
O02E	$4,167	$3,717
O03E	$4,383	$3,774
O01	$3,696	$3,246
O02	$3,783	$3,606
O03	$4,188	$3,741
O04	$4,617	$3,936
O05	$4,920	$4,026
O06	$4,965	$4,176
O07	$5,007	$4,254

BAH for CAPE COD-PLYMOUTH, MA includes the following zip codes: 2018, 2020, 2040, 2041, 2044, 2047, 2050, 2051, 2055, 2059, 2060, 2065, 2303, 2304, 2305, 2324, 2325, 2327, 2330, 2331, 2332, 2333, 2334, 2337, 2338, 2341, 2344, 2345, 2346, 2347, 2348, 2349, 2350, 2355, 2357, 2358, 2359, 2360, 2361, 2362, 2364, 2366, 2367, 2375, 2379, 2381, 2382, 2532, 2534, 2536, 2537, 2538, 2540, 2541, 2542, 2543, 2553, 2556, 2558, 2559, 2561, 2562, 2563, 2571, 2574, 2576, 2601, 2630, 2631, 2632, 2633, 2634, 2635, 2637, 2638, 2639, 2641, 2642, 2643, 2644, 2645, 2646, 2647, 2648, 2649, 2650, 2651, 2652, 2653, 2655, 2657, 2659, 2660, 2661, 2662, 2663, 2664, 2666, 2667, 2668, 2669, 2670, 2671, 2672, 2673, 2675, 2713, 2738, 2739, 2770

» MORE: Check official requirements for a VA loan

ESSEX CO, MA BAH Rates

Military Housing Area: MA125

Grade	With Dependents	Without Dependents
E01	$3,108	$2,454
E02	$3,108	$2,454
E03	$3,108	$2,454
E04	$3,108	$2,454
E05	$3,306	$2,748
E06	$3,630	$2,925
E07	$3,831	$3,114
E08	$4,050	$3,375
E09	$4,377	$3,465
W01	$3,651	$3,048
W02	$3,921	$3,372
W03	$4,191	$3,477
W04	$4,449	$3,672
W05	$4,755	$3,882
O01E	$3,870	$3,303
O02E	$4,152	$3,444
O03E	$4,494	$3,621
O01	$3,351	$2,907
O02	$3,627	$3,243
O03	$4,182	$3,510
O04	$4,866	$3,843
O05	$5,349	$4,011
O06	$5,400	$4,173
O07	$5,445	$4,251

BAH for ESSEX CO, MA includes the following zip codes: 1810, 1812, 1830, 1831, 1832, 1833, 1834, 1835, 1840, 1841, 1842, 1843, 1844, 1845, 1860, 1885, 1899, 1913, 1921, 1922, 1929, 1930, 1931, 1936, 1938, 1944, 1950, 1951, 1952, 1961, 1965, 1966, 1969, 1971, 1982, 1983, 1984, 1985, 5501

HAMPDEN COUNTY, MA BAH Rates

Military Housing Area: MA126

Grade	With Dependents	Without Dependents
E01	$2,202	$1,692
E02	$2,202	$1,692
E03	$2,202	$1,692
E04	$2,202	$1,692
E05	$2,313	$1,947
E06	$2,763	$2,097
E07	$2,982	$2,238
E08	$3,210	$2,409
E09	$3,453	$2,589
W01	$2,787	$2,178
W02	$3,075	$2,406
W03	$3,360	$2,592
W04	$3,489	$2,811
W05	$3,645	$3,033
O01E	$3,021	$2,310
O02E	$3,321	$2,508
O03E	$3,510	$2,757
O01	$2,373	$2,088
O02	$2,760	$2,280
O03	$3,351	$2,601
O04	$3,696	$2,994
O05	$3,933	$3,126
O06	$3,969	$3,342
O07	$4,002	$3,405

BAH for HAMPDEN COUNTY, MA includes the following zip codes: 1001, 1002, 1003, 1004, 1007, 1008, 1009, 1010, 1011, 1012, 1013, 1014, 1020, 1021, 1022, 1026, 1027, 1028, 1029, 1030, 1032, 1033, 1034, 1035, 1036, 1038, 1039, 1040, 1041, 1050, 1053, 1056, 1057, 1059, 1060, 1061, 1062, 1063, 1066, 1069, 1070, 1071, 1073, 1075, 1077, 1079, 1080, 1081, 1082, 1084, 1085, 1086, 1088, 1089, 1090, 1095, 1096, 1097, 1098, 1101, 1102, 1103, 1104, 1105, 1106, 1107, 1108, 1109, 1111, 1115, 1116, 1118, 1119, 1128, 1129, 1138, 1139, 1144, 1151, 1152, 1199, 1201, 1202, 1203, 1220, 1222, 1223, 1224, 1225, 1226, 1227, 1229, 1230, 1235, 1236, 1237, 1238, 1240, 1242, 1243, 1244, 1245, 1247, 1252, 1253, 1254, 1255, 1256, 1257, 1258, 1259, 1260, 1262, 1263, 1264, 1266, 1267, 1270, 1343, 1521

MARTHA’S VINEYARD, MA BAH Rates

Military Housing Area: MA151

Grade	With Dependents	Without Dependents
E01	$3,666	$2,751
E02	$3,666	$2,751
E03	$3,666	$2,751
E04	$3,666	$2,751
E05	$3,987	$3,099
E06	$4,599	$3,450
E07	$4,758	$3,678
E08	$4,926	$4,113
E09	$5,133	$4,293
W01	$4,623	$3,558
W02	$4,827	$4,110
W03	$5,034	$4,314
W04	$5,172	$4,635
W05	$5,340	$4,797
O01E	$4,785	$3,984
O02E	$5,007	$4,254
O03E	$5,196	$4,593
O01	$4,065	$3,339
O02	$4,593	$3,882
O03	$5,028	$4,377
O04	$5,394	$4,764
O05	$5,652	$4,860
O06	$5,703	$5,016
O07	$5,754	$5,112

BAH for MARTHA’S VINEYARD, MA includes the following zip codes: 2535, 2539, 2552, 2557, 2568, 2575

» MORE: Check official requirements for a VA loan

HANSCOM AFB, MA BAH Rates

Military Housing Area: MA377

Grade	With Dependents	Without Dependents
E01	$3,858	$2,970
E02	$3,858	$2,970
E03	$3,858	$2,970
E04	$3,858	$2,970
E05	$3,999	$3,456
E06	$4,398	$3,726
E07	$4,506	$3,861
E08	$4,617	$4,083
E09	$4,875	$4,197
W01	$4,416	$3,819
W02	$4,551	$4,080
W03	$4,692	$4,212
W04	$4,944	$4,419
W05	$5,247	$4,530
O01E	$4,521	$3,996
O02E	$4,674	$4,170
O03E	$4,989	$4,389
O01	$4,053	$3,711
O02	$4,395	$3,957
O03	$4,689	$4,251
O04	$5,355	$4,506
O05	$5,832	$4,569
O06	$5,886	$4,674
O07	$5,937	$4,761

BAH for HANSCOM AFB, MA includes the following zip codes: 1730, 1731, 1741, 1742, 1773, 1803, 1805, 1821, 1824, 1826, 1827, 1850, 1851, 1852, 1853, 1854, 1862, 1863, 1865, 1866, 1876, 1879, 1886, 1887, 1888