BAH 2026Military housing area MA123
Fitchburg, MA BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Fitchburg, MA military housing area, with and without dependents, and the 40 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $3,093a month49th highest of 338
- E‑5 without dependents
- $2,763a month
- O‑3 with dependents
- $4,059a month37th highest of 338
- ZIP codes
- 40in this DoD area
Fitchburg, MA pays $3,093 a month for an E‑5 with dependents: the 49th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for MA123. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| 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 officers | ||
| 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 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,729 | $3,090 |
| O‑2E | $4,026 | $3,255 |
| O‑3E | $4,302 | $3,462 |
| Officers | ||
| 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 |
| O‑8† | $5,049 | $4,119 |
| O‑9† | $5,049 | $4,119 |
| O‑10† | $5,049 | $4,119 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 40 ZIP codes in Fitchburg, MA (MA123). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 01331, one ZIP in this area.
Show all 40 ZIP codesAll 40 ZIP codes
- 013xx
- 01331 01366 01368
- 014xx
- 01420 01430 01431 01432 01434 01436 01438 01440 01450 01451 01452 01453 01460 01462 01463 01464 01467 01468 01469 01472 01473 01474 01475
- 015xx
- 01503 01510 01523 01541 01561 01564
- 017xx
- 01718 01719 01720 01740 01749 01752 01754 01775
Other areas in Massachusetts
Areas whose DoD code starts with MA, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.