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.

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 Fitchburg, MA BAH compares nationally

BAH for Fitchburg, MA runs above the national average: $3,093/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (48th overall, 35.1% above average).

Statewide, this ranks 7th of 9 MHAs — between Boston, MA ($4,791/mo, highest) and Hampden County, MA ($2,388/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $625/mo (22.7%) 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.