Updated February 2026

BAH Rates Hampden County, MA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Hampden County military housing area (MHA: MA126), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,388

$28,656/year

E-5 without Dependents

$2,007

$24,084/year

O-3 with Dependents

$3,426

$41,112/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,268	$27,216
E-2	$2,268	$27,216
E-3	$2,268	$27,216
E-4	$2,268	$27,216
E-5	$2,388	$28,656
E-6	$2,850	$34,200
E-7	$3,063	$36,756
E-8	$3,288	$39,456
E-9	$3,522	$42,264
Warrant Officer
W-1	$2,874	$34,488
W-2	$3,153	$37,836
W-3	$3,435	$41,220
W-4	$3,555	$42,660
W-5	$3,702	$44,424
Commissioned Officer (Prior Enlisted)
O-1E	$3,105	$37,260
O-2E	$3,393	$40,716
O-3E	$3,576	$42,912
Commissioned Officer
O-1	$2,451	$29,412
O-2	$2,847	$34,164
O-3	$3,426	$41,112
O-4	$3,747	$44,964
O-5	$3,978	$47,736
O-6	$4,011	$48,132
O-7	$4,038	$48,456

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,752	$21,024
E-2	$1,752	$21,024
E-3	$1,752	$21,024
E-4	$1,752	$21,024
E-5	$2,007	$24,084
E-6	$2,154	$25,848
E-7	$2,298	$27,576
E-8	$2,484	$29,808
E-9	$2,643	$31,716
Warrant Officer
W-1	$2,241	$26,892
W-2	$2,481	$29,772
W-3	$2,646	$31,752
W-4	$2,898	$34,776
W-5	$3,114	$37,368
Commissioned Officer (Prior Enlisted)
O-1E	$2,385	$28,620
O-2E	$2,589	$31,068
O-3E	$2,844	$34,128
Commissioned Officer
O-1	$2,145	$25,740
O-2	$2,352	$28,224
O-3	$2,682	$32,184
O-4	$3,075	$36,900
O-5	$3,201	$38,412
O-6	$3,414	$40,968
O-7	$3,474	$41,688

35 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Hampden County (MA126) Military Housing Area:

01001 01008 01010 01011 01013 01020 01022 01028 01030 01034 01036 01040 01056 01057 01069 01071 01077 01080 01081 01085 01089 01095 01103 01104 01105 01106 01107 01108 01109 01118 01119 01128 01129 01151 01521

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Hampden County, MA is $2,388 per month ($28,656 per year). Without dependents, the rate is $2,007 per month.

How many ZIP codes are in the Hampden County MHA?

The Hampden County Military Housing Area (MA126) includes 35 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 Hampden County, MA BAH compares nationally

BAH here tracks closely with the national picture — an E-5 with dependents draws $2,388/mo against a national MHA average of $2,289 (105th of 299 MHAs). Neither a windfall nor a squeeze; your allowance should roughly match the local rental market's middle.

This is the lowest-rate MHA of the 9 in the state; the highest, Boston, MA, pays the same E-5 $2,403 more per month.

Across enlisted grades here, having dependents adds an average of $621/mo (29.8%) 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.