Updated February 2026

BAH Rates Fitchburg, MA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Fitchburg military housing area (MHA: MA123), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$3,093

$37,116/year

E-5 without Dependents

$2,763

$33,156/year

O-3 with Dependents

$4,059

$48,708/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,024	$36,288
E-2	$3,024	$36,288
E-3	$3,024	$36,288
E-4	$3,024	$36,288
E-5	$3,093	$37,116
E-6	$3,468	$41,616
E-7	$3,687	$44,244
E-8	$3,918	$47,016
E-9	$4,212	$50,544
Warrant Officer
W-1	$3,492	$41,904
W-2	$3,780	$45,360
W-3	$4,068	$48,816
W-4	$4,266	$51,192
W-5	$4,506	$54,072
Commissioned Officer (Prior Enlisted)
O-1E	$3,729	$44,748
O-2E	$4,026	$48,312
O-3E	$4,302	$51,624
Commissioned Officer
O-1	$3,147	$37,764
O-2	$3,465	$41,580
O-3	$4,059	$48,708
O-4	$4,587	$55,044
O-5	$4,965	$59,580
O-6	$5,010	$60,120
O-7	$5,049	$60,588

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,415	$28,980
E-2	$2,415	$28,980
E-3	$2,415	$28,980
E-4	$2,415	$28,980
E-5	$2,763	$33,156
E-6	$2,952	$35,424
E-7	$3,021	$36,252
E-8	$3,174	$38,088
E-9	$3,279	$39,348
Warrant Officer
W-1	$3,012	$36,144
W-2	$3,171	$38,052
W-3	$3,294	$39,528
W-4	$3,516	$42,192
W-5	$3,738	$44,856
Commissioned Officer (Prior Enlisted)
O-1E	$3,090	$37,080
O-2E	$3,255	$39,060
O-3E	$3,462	$41,544
Commissioned Officer
O-1	$2,949	$35,388
O-2	$3,075	$36,900
O-3	$3,330	$39,960
O-4	$3,699	$44,388
O-5	$3,831	$45,972
O-6	$4,047	$48,564
O-7	$4,119	$49,428

1 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Fitchburg (MA123) Military Housing Area:

01420

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Fitchburg, MA is $3,093 per month ($37,116 per year). Without dependents, the rate is $2,763 per month.

How many ZIP codes are in the Fitchburg MHA?

The Fitchburg Military Housing Area (MA123) includes 1 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.