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-5 without dependents at Fitchburg draws $3,831 per month in 2026

    Permalinkbahratedesk.com/fitchburg-ma/o-5/without/ExcelCSVDownloads cover this station.
    Fitchburg, MA
    O-5 · without dependents
    $3,831/ month
    $45,972 / year
    At O-5, this is #39 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA MA123 · ZIPs 01331 01366 01368 01420 01430 01431 +34 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,912 / mo gross
    Other dependency status here$4,965 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-5 · $3,831/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$897−$10,764/yr · like −$13,800 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Manchester$3,960
    Washington$3,909
    Hawaii County$3,885
    Newport$3,873
    Fitchburg$3,831
    West Palm Beach$3,822
    Providence$3,792
    New Haven$3,780
    Chicago$3,711
    Youngstown$1,593

    Fitchburg is #39 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 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-6 here adds $216 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 Westchester County at O-5 is worth $2,331 a month — about 11 promotions worth of housing allowance, at $216 per grade here.

    02

    Dependency status is worth 30% 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. $3,831 a month of BAH takes more than $3,831 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.