BAH Rate Desk2026
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
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-2 with dependents at Fitchburg draws $3,465 per month in 2026

    Permalinkbahratedesk.com/fitchburg-ma/o-2/with/ExcelCSVDownloads cover this station.
    Fitchburg, MA
    O-2 · with dependents
    $3,465/ month
    $41,580 / year
    At O-2, this is #45 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA MA123 · ZIPs 01331 01366 01368 01420 01430 01431 +34 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$4,442 / mo gross
    Other dependency status here$3,075 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fitchburg — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,024$2,415
    E-2$3,024$2,415
    E-3$3,024$2,415
    E-4$3,024$2,415
    E-5$3,093$2,763
    E-6$3,468$2,952
    E-7$3,687$3,021
    E-8$3,918$3,174
    E-9$4,212$3,279
    Warrant officer
    W-1$3,492$3,012
    W-2$3,780$3,171
    W-3$4,068$3,294
    W-4$4,266$3,516
    W-5$4,506$3,738
    Officer — prior enlisted
    O-1E$3,729$3,090
    O-2E$4,026$3,255
    O-3E$4,302$3,462
    Officer
    O-1$3,147$2,949
    O-2$3,465$3,075
    O-3$4,059$3,330
    O-4$4,587$3,699
    O-5$4,965$3,831
    O-6$5,010$4,047
    O-7$5,049$4,119
    PCS compareFitchburg · O-2 · $3,465/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▼ CUT−$726−$8,712/yr · like −$11,169 of salary

    What this rate means

    O-2 with dependents, every station0 – $5,451 / month
    San Francisco$5,451
    Westchester County$5,355
    Nantucket$5,115
    New York City$5,094
    Northern New Jersey$5,049
    Santa Clara County$4,974
    Boston$4,809
    Long Island$4,770
    Maui County$4,767
    Martha's Vineyard$4,587
    Hanscom AFB$4,476
    San Diego$4,401
    Camp Pendleton$4,395
    Kauai County$4,260
    Staten Island$4,209
    Los Angeles$4,185
    West Point$4,113
    Oakland$4,110
    Fort Monmouth$4,077
    Perth Amboy$4,065
    Florida Keys$4,053
    Ventura$4,002
    Cape Cod-Plymouth$3,996
    Trenton$3,969
    San Luis Obispo$3,939
    Honolulu County$3,909
    Seattle$3,897
    Monterey$3,864
    Hawaii County$3,834
    Marin$3,813
    Miami$3,789
    Washington$3,753
    Essex CO$3,741
    Burlington$3,732
    New Haven$3,714
    Chicago$3,699
    Portsmouth$3,687
    Vandenberg SFB$3,639
    West Palm Beach$3,603
    Portland$3,573
    Riverside$3,546
    Manchester$3,522
    County Cost Group 890$3,519
    Vallejo$3,495
    Fitchburg$3,465
    Providence$3,453
    Newport$3,441
    JB McGuire-Dix-Lakehurst$3,438
    Santa Fe$3,411
    Willow Grove$3,393
    Worcester$3,387
    San Bernardino$3,378
    Indian Head Navordsta$3,375
    Warrenton$3,375
    Juneau$3,369
    Boulder$3,336
    Hartford$3,327
    Atlantic City$3,285
    Fort G. G. Meade$3,273
    Everett$3,240
    Annapolis$3,225
    Sitka$3,225
    County Cost Group 880$3,201
    Quantico$3,171
    Edwards AFB$3,153
    Beale AFB$3,129
    Ann Arbor$3,075
    Cape May$3,069
    New London$3,069
    Denver$3,060
    Fort Detrick$3,060
    Tampa$3,039
    County Cost Group 870$2,994
    Philadelphia$2,976
    Sacramento$2,976
    Orlando$2,958
    Outer Banks$2,943
    Stockton$2,931
    Fort Myers Beach$2,916
    JB Lewis-McChord$2,916
    Baltimore$2,901
    JB Elmendorf-Richardson$2,889
    Madison$2,886
    Ketchikan$2,883
    Kodiak Island$2,880
    Patrick SFB$2,880
    Ballston Spa$2,859
    Port Angeles$2,856
    Hampden County$2,847
    Allentown$2,835
    County Cost Group 860$2,826
    Fort Pierce$2,826
    Fresno$2,823
    Oxford$2,811
    Beaufort$2,808
    Abilene$2,805
    Dallas$2,805
    Austin$2,796
    Bridgeport$2,796
    Traverse City$2,793
    Astoria$2,787
    Minneapolis$2,778
    Great Lakes Navtracen$2,757
    Portland$2,748
    County Cost Group 850$2,742
    Aberdeen Proving Grounds$2,739
    Whidbey Island$2,736
    Rome$2,730
    Bremerton$2,727
    Charlottesville$2,712
    Corvallis$2,712
    Dahlgren$2,712
    Atlanta$2,706
    Milwaukee$2,697
    Coastal Maine$2,694
    Reno$2,676
    Nashville$2,670
    County Cost Group 840$2,652
    St. Louis$2,652
    Savannah$2,649
    Knoxville$2,646
    Richmond$2,625
    Charleston$2,613
    Pittsburgh$2,601
    Detroit$2,580
    County Cost Group 830$2,577
    Asheville$2,568
    Elizabeth City$2,559
    Norfolk$2,556
    Brunswick$2,553
    Buffalo$2,550
    Spokane$2,550
    Patuxent River$2,544
    Twenty Nine Palms MCB$2,544
    Birmingham$2,529
    Fort Collins$2,529
    Helena$2,526
    Cincinnati$2,523
    Eglin AFB$2,523
    Houston$2,514
    Rochester$2,514
    Dahlonega$2,511
    Wilmington$2,496
    Volusia County$2,493
    Dover AFB$2,490
    County Cost Group 820$2,487
    Eugene$2,478
    Grand Haven$2,478
    Phoenix$2,454
    Fairbanks$2,451
    Panama City$2,439
    Fort Stewart$2,436
    Charlotte$2,433
    Fort Carson$2,430
    Barstow$2,427
    Fort Worth$2,421
    Hampton$2,418
    Cleveland$2,415
    Grand Rapids$2,400
    Chattanooga$2,394
    Salem$2,394
    Durham$2,388
    Ocala$2,388
    College Station$2,385
    County Cost Group 810$2,385
    Syracuse$2,382
    Yakima$2,379
    Carlisle Barracks$2,373
    Omaha$2,373
    New Orleans$2,370
    Battle Creek$2,367
    Myrtle Beach$2,358
    Salt Lake City$2,355
    Gainesville$2,352
    Duluth$2,331
    Fargo$2,328
    Albuquerque$2,325
    Humboldt County$2,316
    Memphis$2,316
    Raleigh$2,316
    Eastern Shore$2,310
    County Cost Group 800$2,280
    Boise$2,274
    Lemoore NAS$2,274
    Louisville$2,271
    State College$2,271
    Eastern Panhandle$2,250
    Jacksonville$2,238
    Columbus$2,235
    Rock Island$2,235
    Pensacola$2,232
    Ogden$2,226
    Provo$2,226
    Corpus Christi$2,214
    Cheyenne$2,211
    Coos Bay$2,211
    Rapid City$2,208
    County Cost Group 790$2,205
    Des Moines$2,205
    Indianapolis$2,205
    Nellis AFB$2,205
    Bismarck$2,196
    Baton Rouge$2,190
    Fort Huachuca$2,190
    Mountain Home AFB$2,181
    Kansas City$2,172
    Toledo$2,163
    Jackson$2,160
    Fort Gordon$2,154
    Kings Bay$2,154
    El Centro$2,148
    Lexington$2,148
    Fort Bliss$2,145
    Fort Knox$2,133
    Fort Leavenworth$2,130
    County Cost Group 780$2,127
    Fort Wayne$2,127
    Columbia$2,118
    Davis-Monthan AFB$2,118
    Johnson City$2,118
    Lincoln$2,109
    Greensboro$2,106
    Wichita Fls$2,106
    Fort Campbell$2,097
    Waco$2,094
    San Antonio (JBSA)$2,091
    Greenville$2,079
    Huntsville$2,076
    Roanoke$2,076
    Mobile$2,070
    County Cost Group 770$2,064
    Tallahassee$2,058
    Bangor$2,049
    Fort Bragg$2,046
    Morehead$2,043
    Fayetteville$2,037
    Shreveport$2,025
    Sioux Falls$2,022
    Marquette$2,007
    Grand Forks$2,001
    Scott AFB$1,995
    Columbus AFB$1,992
    County Cost Group 760$1,992
    Lexington$1,992
    Lansing$1,980
    Champaign$1,977
    Minot AFB$1,977
    Fort Benning$1,974
    Bloomington$1,953
    Seymour Johnson AFB$1,947
    County Cost Group 750$1,944
    Sumter$1,944
    Camp Lejeune$1,941
    Tulsa$1,941
    Little Rock$1,938
    White Sands MR$1,926
    Whiteman AFB$1,926
    Akron$1,923
    Fort Hood$1,917
    Sault Ste Marie$1,917
    Beaumont$1,914
    Moody AFB$1,914
    Morgantown$1,914
    County Cost Group 740$1,893
    Fort Drum$1,890
    Wilkes-Barre$1,884
    Robins AFB$1,875
    Paducah$1,872
    Holloman AFB$1,866
    Topeka$1,866
    County Cost Group 730$1,860
    Brownsville$1,857
    Peoria$1,857
    Oklahoma City$1,851
    Springfield$1,851
    Wright-Patterson AFB$1,848
    Lafayette$1,842
    Sparta$1,842
    Yuma$1,842
    County Cost Group 720$1,836
    Goodfellow AFB$1,833
    Auburn$1,830
    Fort Polk$1,827
    Springfield$1,821
    Terre Haute$1,821
    Malmstrom SFB$1,818
    County Cost Group 710$1,815
    Frankfort$1,812
    Lubbock$1,809
    County Cost Group 700$1,797
    Fallon NAS$1,785
    County Cost Group 690$1,782
    Fort Riley$1,779
    Huntington$1,776
    County Cost Group 680$1,770
    China Lake$1,764
    Charleston$1,761
    County Cost Group 670$1,761
    Montgomery$1,755
    County Cost Group 660$1,749
    Saginaw$1,746
    County Cost Group 650$1,740
    Fort Rucker$1,740
    County Cost Group 640$1,731
    County Cost Group 630$1,722
    Fort Leonard Wood$1,719
    County Cost Group 620$1,716
    County Cost Group 610$1,707
    Stevens Point$1,704
    County Cost Group 600$1,701
    Laughlin AFB$1,701
    County Cost Group 590$1,689
    Wichita$1,686
    County Cost Group 580$1,677
    Erie$1,677
    Fort Chaffee$1,677
    Alexandria$1,674
    County Cost Group 570$1,665
    County Cost Group 560$1,656
    County Cost Group 550$1,647
    St Mary And Terrebonne$1,647
    County Cost Group 540$1,638
    County Cost Group 530$1,632
    County Cost Group 520$1,626
    Monroe$1,626
    County Cost Group 510$1,623
    Lake Charles$1,623
    Columbia$1,620
    Gulfport$1,617
    Cannon AFB$1,590
    Altus AFB$1,560
    Meridian$1,542
    Albany$1,536
    Hattiesburg$1,521
    Vance AFB$1,509
    Fort Sill$1,491
    Anniston$1,488
    Youngstown$1,332

    Fitchburg is #45 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

    Every pay grade at Fitchburg0 – $5,049 / month
    E-1$3,024
    E-2$3,024
    E-3$3,024
    E-4$3,024
    E-5$3,093
    E-6$3,468
    E-7$3,687
    E-8$3,918
    E-9$4,212
    W-1$3,492
    W-2$3,780
    W-3$4,068
    W-4$4,266
    W-5$4,506
    O-1E$3,729
    O-2E$4,026
    O-3E$4,302
    O-1$3,147
    O-2$3,465
    O-3$4,059
    O-4$4,587
    O-5$4,965
    O-6$5,010
    O-7$5,049

    Promoting to O-3 here adds $594 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-2 is worth $1,986 a month — about 3 promotions worth of housing allowance, at $594 per grade here.

    02

    Dependency status is worth 13% 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. $3,465 a month of BAH takes more than $3,465 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.