Official data current

Fitchburg BAH rates

Verified · Effective 2026-01-01 · MHA MA123

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O-5 · With dependents
$4,965per month

$59,580 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #29 of 338O-5 · with dependents reference
Taxable-pay equivalent$6,365/mo Using the stated 22% comparison rate
Year-over-year change+$180/mo · +3.8%2025 $4,785 → 2026 $4,965
O-5 rate selectedMHA MA123 ZIPs 01331 01366 01368 01420 01430 01431 +34
PCS compare Fitchburg · O-5 · with dep. · $4,965/mo
Fitchburg $4,965/mo · $59,580/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$4,785
2026$4,965

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Fitchburg — full sheet Tap a row

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month
Westchester County $8,064
San Luis Obispo $5,430
Staten Island $5,394
Camp Pendleton $5,391
Portsmouth $5,355
Trenton $5,334
West Point $5,253
Portland $5,235
Cape Cod-Plymouth $5,196
Oakland $5,133
Fort Monmouth $4,986
Fitchburg $4,965
Honolulu County $4,959
Perth Amboy $4,926
Marin $4,863
Burlington $4,857
Seattle $4,797
Ventura $4,788
West Palm Beach $4,782
Manchester $4,707
Washington $4,692
Worcester $4,686
Youngstown $1,827

Fitchburg is #29 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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

The pay chart moves this allowance far less than the map does.

Moving from Fitchburg to Westchester County at O-5 is worth $3,099 a month — about 69 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…