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-3 without dependents at Fitchburg draws $3,330 per month in 2026

    Permalinkbahratedesk.com/fitchburg-ma/o-3/without/ExcelCSVDownloads cover this station.
    Fitchburg, MA
    O-3 · without dependents
    $3,330/ month
    $39,960 / year
    At O-3, this is #47 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA MA123 · ZIPs 01331 01366 01368 01420 01430 01431 +34 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,269 / mo gross
    Other dependency status here$4,059 with 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-3 · $3,330/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$687−$8,244/yr · like −$10,569 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Manchester$3,396
    County Cost Group 890$3,387
    Providence$3,357
    San Bernardino$3,339
    Fitchburg$3,330
    Indian Head Navordsta$3,327
    Warrenton$3,261
    Santa Fe$3,249
    Newport$3,231
    Youngstown$1,344

    Fitchburg is #47 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 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-4 here adds $369 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-3 is worth $2,001 a month — about 5 promotions worth of housing allowance, at $369 per grade here.

    02

    Dependency status is worth 22% 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. $3,330 a month of BAH takes more than $3,330 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.