2026 BAH Rates — Fitchburg, MA
2026 Basic Allowance for Housing (BAH) for Fitchburg, MA (Military Housing Area MA123), effective January 1, 2026. BAH is a tax-free monthly allowance set by your duty-station ZIP code, pay grade, and whether you have dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| 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 |
| 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 |
| O-1E | $3,729 | $3,090 |
| O-2E | $4,026 | $3,255 |
| O-3E | $4,302 | $3,462 |
| 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 |
Estimate your own pay with the BAH calculator and the full military pay calculator. See all BAH locations or the by-state overview.
Frequently asked questions
How much is BAH in Fitchburg, MA?
In 2026, an E-5 with dependents stationed in Fitchburg, MA receives $3,093 per month in tax-free BAH, or $2,763 without dependents. Rates vary by pay grade — see the full table above.
Is BAH taxable?
No. BAH is a tax-free housing allowance, which makes it worth more than the same amount of taxable base pay.