O-3 BAH Rates in FITCHBURG, MA (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in FITCHBURG, MA is $4,059 per month with dependents and $3,330 per month without dependents. This rate is $1,200 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 FITCHBURG is approximately $12,124.48 with dependents or $11,395.48 without.
O-3 BAH: FITCHBURG vs National Average
| FITCHBURG | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $4,059 | $2,859 | +$1,200 |
| Without Dependents | $3,330 | $2,493 | +$837 |
O-3 Total Monthly Compensation in FITCHBURG
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in FITCHBURG:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $4,059 | $3,330 |
| BAS | $328.48 | $328.48 |
| Total | $12,124.48 | $11,395.48 |
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 FITCHBURG
- E-3 — $3,024/mo
- E-4 — $3,024/mo
- E-5 — $3,093/mo
- E-6 — $3,468/mo
- E-7 — $3,687/mo
- O-1 — $3,147/mo
- O-2 — $3,465/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in FITCHBURG?
The 2026 O-3 BAH rate in FITCHBURG is $4,059/mo with dependents and $3,330/mo without dependents.
What is the total monthly pay for O-3 in FITCHBURG?
An O-3 with 6 years of service in FITCHBURG earns approximately $12,124.48/mo total compensation with dependents (base pay $7,737 + BAH $4,059 + BAS $328.48). Without dependents: $11,395.48/mo.
Is FITCHBURG BAH above or below average?
O-3 BAH in FITCHBURG is $1,200 above the national average of $2,859/mo with dependents.