O-3 BAH Rates in Worcester, MA (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Worcester, MA is $3,756 per month with dependents and $3,219 per month without dependents. This rate is $897 above the national average for O-3.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in Worcester is approximately $11,821.48 with dependents or $11,284.48 without.

O-3 BAH: Worcester vs National Average

	Worcester	National Avg	Difference
With Dependents	$3,756	$2,859	+$897
Without Dependents	$3,219	$2,493	+$726

O-3 Total Monthly Compensation in Worcester

Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Worcester:

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$3,756	$3,219
BAS	$328.48	$328.48
Total	$11,821.48	$11,284.48

Base pay shown for 6 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.

Other Ranks in Worcester

• E-3 — $2,787/mo
• E-4 — $2,787/mo
• E-5 — $2,919/mo
• E-6 — $3,390/mo
• E-7 — $3,525/mo
• O-1 — $2,982/mo
• O-2 — $3,387/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-3 in Worcester?

The 2026 O-3 BAH rate in Worcester is $3,756/mo with dependents and $3,219/mo without dependents.

What is the total monthly pay for O-3 in Worcester?

An O-3 with 6 years of service in Worcester earns approximately $11,821.48/mo total compensation with dependents (base pay $7,737 + BAH $3,756 + BAS $328.48). Without dependents: $11,284.48/mo.

Is Worcester BAH above or below average?

O-3 BAH in Worcester is $897 above the national average of $2,859/mo with dependents.

View all Massachusetts BAH rates →