BAH 2026Military housing area MA125
Essex Co, MA BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Essex Co, MA military housing area, with and without dependents, and the 39 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $3,477a month25th highest of 338
- E‑5 without dependents
- $2,910a month
- O‑3 with dependents
- $4,533a month17th highest of 338
- ZIP codes
- 39in this DoD area
Essex Co, MA pays $3,477 a month for an E‑5 with dependents: the 25th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for MA125. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $3,282 | $2,589 |
| E‑2 | $3,282 | $2,589 |
| E‑3 | $3,282 | $2,589 |
| E‑4 | $3,282 | $2,589 |
| E‑5 | $3,477 | $2,910 |
| E‑6 | $3,744 | $3,102 |
| E‑7 | $4,032 | $3,288 |
| E‑8 | $4,344 | $3,537 |
| E‑9 | $4,755 | $3,606 |
| Warrant officers | ||
| W‑1 | $3,765 | $3,225 |
| W‑2 | $4,158 | $3,534 |
| W‑3 | $4,545 | $3,618 |
| W‑4 | $4,833 | $3,807 |
| W‑5 | $5,181 | $4,101 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $4,089 | $3,474 |
| O‑2E | $4,488 | $3,591 |
| O‑3E | $4,887 | $3,735 |
| Officers | ||
| O‑1 | $3,516 | $3,084 |
| O‑2 | $3,741 | $3,417 |
| O‑3 | $4,533 | $3,642 |
| O‑4 | $5,301 | $4,053 |
| O‑5 | $5,853 | $4,389 |
| O‑6 | $5,904 | $4,524 |
| O‑7 | $5,952 | $4,605 |
| O‑8† | $5,952 | $4,605 |
| O‑9† | $5,952 | $4,605 |
| O‑10† | $5,952 | $4,605 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 39 ZIP codes in Essex Co, MA (MA125). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 01810, one ZIP in this area.
Show all 39 ZIP codesAll 39 ZIP codes
- 018xx
- 01810 01812 01830 01831 01832 01833 01834 01835 01840 01841 01842 01843 01844 01845 01860 01885 01899
- 019xx
- 01913 01921 01922 01929 01930 01931 01936 01938 01944 01950 01951 01952 01961 01965 01966 01969 01971 01982 01983 01984 01985
- 055xx
- 05501
Other areas in Massachusetts
Areas whose DoD code starts with MA, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.