Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Dependents

    O-1E without dependents at Fitchburg draws $3,090 per month in 2026

    Permalinkbahratedesk.com/fitchburg-ma/o-1e/without/ExcelCSVDownloads cover this station.
    Fitchburg, MA
    O-1E · without dependents
    $3,090/ month
    $37,080 / year
    At O-1E, this is #47 of 338 stations loaded · high San Francisco $5,124 · low Youngstown $1,188
    MHA MA123 · ZIPs 01331 01366 01368 01420 01430 01431 +34 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$3,962 / mo gross
    Other dependency status here$3,729 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Fitchburg — full sheetTap a row
    PCS compareFitchburg · O-1E · $3,090/mo
    Aberdeen Proving Grounds$2,475/mo · $29,700/yr
    ▼ CUT$615−$7,380/yr · like −$9,462 of salary

    What this rate means

    O-1E without dependents, nearest stations0 – $5,124 / month
    San Francisco$5,124
    County Cost Group 890$3,153
    Seattle$3,132
    Washington$3,129
    Burlington$3,117
    Fitchburg$3,090
    New Haven$3,066
    Warrenton$3,063
    Beale AFB$2,964
    Santa Fe$2,961
    Youngstown$1,188

    Fitchburg is #47 of 338. The spread between the dearest and cheapest station at this grade is $3,936 a month — $47,232 a year, untaxed.

    Every pay grade at Fitchburg0 – $4,119 / month
    E-1$2,415
    E-2$2,415
    E-3$2,415
    E-4$2,415
    E-5$2,763
    E-6$2,952
    E-7$3,021
    E-8$3,174
    E-9$3,279
    W-1$3,012
    W-2$3,171
    W-3$3,294
    W-4$3,516
    W-5$3,738
    O-1E$3,090
    O-2E$3,255
    O-3E$3,462
    O-1$2,949
    O-2$3,075
    O-3$3,330
    O-4$3,699
    O-5$3,831
    O-6$4,047
    O-7$4,119

    Promoting to O-2E here adds $165 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Fitchburg to San Francisco at O-1E is worth $2,034 a month — about 12 promotions worth of housing allowance, at $165 per grade here.

    02

    Dependency status is worth 21% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $3,090 a month of BAH takes more than $3,090 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't tell you

    01

    “With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

    02

    O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

    03

    This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.