Updated February 2026

BAH Rates Boston, MA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Boston military housing area (MHA: MA120), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$4,791

$57,492/year

E-5 without Dependents

$3,615

$43,380/year

O-3 with Dependents

$5,163

$61,956/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$4,344	$52,128
E-2	$4,344	$52,128
E-3	$4,344	$52,128
E-4	$4,344	$52,128
E-5	$4,791	$57,492
E-6	$4,812	$57,744
E-7	$4,938	$59,256
E-8	$5,079	$60,948
E-9	$5,379	$64,548
Warrant Officer
W-1	$4,827	$57,924
W-2	$4,995	$59,940
W-3	$5,169	$62,028
W-4	$5,457	$65,484
W-5	$5,805	$69,660
Commissioned Officer (Prior Enlisted)
O-1E	$4,962	$59,544
O-2E	$5,142	$61,704
O-3E	$5,511	$66,132
Commissioned Officer
O-1	$4,803	$57,636
O-2	$4,809	$57,708
O-3	$5,163	$61,956
O-4	$5,928	$71,136
O-5	$6,483	$77,796
O-6	$6,540	$78,480
O-7	$6,594	$79,128

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,258	$39,096
E-2	$3,258	$39,096
E-3	$3,258	$39,096
E-4	$3,258	$39,096
E-5	$3,615	$43,380
E-6	$3,948	$47,376
E-7	$4,365	$52,380
E-8	$4,803	$57,636
E-9	$4,809	$57,708
Warrant Officer
W-1	$4,191	$50,292
W-2	$4,800	$57,600
W-3	$4,812	$57,744
W-4	$4,833	$57,996
W-5	$4,968	$59,616
Commissioned Officer (Prior Enlisted)
O-1E	$4,788	$57,456
O-2E	$4,806	$57,672
O-3E	$4,818	$57,816
Commissioned Officer
O-1	$3,894	$46,728
O-2	$4,644	$55,728
O-3	$4,815	$57,780
O-4	$4,941	$59,292
O-5	$5,019	$60,228
O-6	$5,148	$61,776
O-7	$5,241	$62,892

33 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Boston (MA120) Military Housing Area:

02108 02109 02110 02111 02113 02114 02115 02116 02118 02119 02120 02121 02122 02124 02125 02126 02127 02128 02129 02130 02131 02132 02134 02135 02136 02150 02151 02152 02163 02199 02210 02215 02222

Frequently Asked Questions

What is the BAH rate for an E-5 in Boston?

The 2026 BAH rate for an E-5 with dependents in Boston, MA is $4,791 per month ($57,492 per year). Without dependents, the rate is $3,615 per month.

How many ZIP codes are in the Boston MHA?

The Boston Military Housing Area (MA120) includes 33 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all Massachusetts BAH rates →

How Boston, MA BAH compares nationally

Boston, MA is the 3rd most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $4,791/mo here, 109.3% above the national MHA average of $2,289. Rates this high usually track tight rental markets, so run the numbers before deciding to live on the local economy.

Within the state, this is the highest-rate MHA of 9; the lowest is Hampden County, MA at $2,388/mo for the same E-5 — a $2,403 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $867/mo (24.3%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.