United States · BAH 2026 · Massachusetts
Boston, MA BAH rates 2026
In Boston, MA, 2026 BAH runs from $3,258 a month (E-1 without dependents) to $6,594 (O-7 and above with dependents). An E-5 with dependents gets $4,791 a month, not taxed.
Boston, MA · E-5 · with dependents
$4,791 a month
$57,492 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $4,344 | $3,258 |
| E-2 | $4,344 | $3,258 |
| E-3 | $4,344 | $3,258 |
| E-4 | $4,344 | $3,258 |
| E-5 | $4,791 | $3,615 |
| E-6 | $4,812 | $3,948 |
| E-7 | $4,938 | $4,365 |
| E-8 | $5,079 | $4,803 |
| E-9 | $5,379 | $4,809 |
| W-1 | $4,827 | $4,191 |
| W-2 | $4,995 | $4,800 |
| W-3 | $5,169 | $4,812 |
| W-4 | $5,457 | $4,833 |
| W-5 | $5,805 | $4,968 |
| O-1E | $4,962 | $4,788 |
| O-2E | $5,142 | $4,806 |
| O-3E | $5,511 | $4,818 |
| O-1 | $4,803 | $3,894 |
| O-2 | $4,809 | $4,644 |
| O-3 | $5,163 | $4,815 |
| O-4 | $5,928 | $4,941 |
| O-5 | $6,483 | $5,019 |
| O-6 | $6,540 | $5,148 |
| O-7 and above | $6,594 | $5,241 |
What is take-home pay with BAH in Boston, MA?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. These assume Massachusetts is your state of legal residence: Massachusetts taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $3,258.00 | $4,344.00 | $4,815.00 | $5,163.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | −$147.45 | −$129.12 | −$342.47 | −$324.14 |
| Take-home a month | $6,567.27 | $7,827.92 | $10,730.57 | $11,462.68 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Boston, MA?
DTMO’s 2026 list maps 190 ZIP codes to this housing area (MA120). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 190 ZIP codes
017xx: 01701, 01702, 01703, 01704, 01705, 01721, 01745, 01746, 01748, 01760, 01770, 01772, 01776, 01778, 01784
018xx: 01801, 01813, 01815, 01822, 01825, 01864, 01867, 01880, 01889, 01890
019xx: 01901, 01902, 01903, 01904, 01905, 01906, 01907, 01908, 01910, 01915, 01923, 01937, 01940, 01945, 01949, 01960, 01970
020xx: 02021, 02025, 02026, 02027, 02030, 02032, 02035, 02043, 02045, 02048, 02052, 02053, 02054, 02056, 02061, 02062, 02066, 02067, 02071, 02072, 02081, 02090
021xx: 02108, 02109, 02110, 02111, 02112, 02113, 02114, 02115, 02116, 02117, 02118, 02119, 02120, 02121, 02122, 02123, 02124, 02125, 02126, 02127, 02128, 02129, 02130, 02131, 02132, 02133, 02134, 02135, 02136, 02137, 02138, 02139, 02140, 02141, 02142, 02143, 02144, 02145, 02148, 02149, 02150, 02151, 02152, 02153, 02155, 02156, 02163, 02169, 02170, 02171, 02176, 02180, 02184, 02185, 02186, 02187, 02188, 02189, 02190, 02191, 02196, 02199
022xx: 02201, 02203, 02204, 02205, 02206, 02210, 02211, 02212, 02215, 02217, 02222, 02238, 02241, 02269, 02283, 02284, 02293, 02297, 02298
023xx: 02301, 02302, 02322, 02339, 02343, 02351, 02356, 02368, 02370
024xx: 02420, 02421, 02445, 02446, 02447, 02451, 02452, 02453, 02454, 02455, 02456, 02457, 02458, 02459, 02460, 02461, 02462, 02464, 02465, 02466, 02467, 02468, 02471, 02472, 02474, 02475, 02476, 02477, 02478, 02479, 02481, 02482, 02492, 02493, 02494, 02495
How does Boston, MA BAH compare?
For an E-5 with dependents, Boston, MA pays $4,791 a month: number 3 of 338 housing areas, and $2,730 above the middle of all areas ($2,061). Other housing areas in Massachusetts:
- Cape Cod-Plymouth, MA E-5 with dependents $3,924
- Essex Co, MA E-5 with dependents $3,477
- Fitchburg, MA E-5 with dependents $3,093
- Hampden County, MA E-5 with dependents $2,388
- Hanscom AFB, MA E-5 with dependents $4,188
- Martha's Vineyard, MA E-5 with dependents $3,984
- Nantucket, MA E-5 with dependents $4,344
- Worcester, MA E-5 with dependents $2,919
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- Massachusetts minimum wage The Massachusetts minimum wage for 2026 and 2027, with full-time pay.
- Massachusetts paycheck calculator Take-home pay for a civilian job in Massachusetts, after federal and state tax.
Questions about BAH in Boston, MA
What is E-5 BAH in Boston, MA for 2026?
$4,791 a month with dependents and $3,615 without ($57,492 and $43,380 a year). That ranks 3 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Boston, MA?
An O-3 gets $5,163 a month with dependents and $4,815 without in 2026. A W-2 gets $4,995 and $4,800.
How much BAH does an E-1 get in Boston, MA?
$4,344 a month with dependents and $3,258 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Boston, MA BAH rates?
190 ZIP codes in DTMO’s 2026 list map to this housing area (MA120): 01701, 01702, 01703, 01704, 01705 and 185 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Boston, MA taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $7,217.35 a month here with allowances and takes home about $6,567.27. These assume Massachusetts is your state of legal residence: Massachusetts taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
When will Boston, MA BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.