BAH Rate Calculator

    O-3 BAH Rates — O-3 (Captain/Lieutenant)

    2026 Basic Allowance for Housing rates for O-3 (Captain/Lieutenant) at every military duty station.

    Avg w/ Dependents

    $2,859

    Avg w/o Dependents

    $2,493

    Highest

    $6,633

    Westchester County, NY

    Lowest

    $1,686

    Anniston/Fort Mcclellan, AL

    O-2 RatesAll RanksO-4 Rates
    LocationWith Dep.Without Dep.
    Westchester County, NY$6,633$5,169
    Maui County, HI$5,571$4,608
    San Francisco, CA$5,556$5,331
    New York City, NY$5,529$5,112
    Nantucket, MA$5,442$4,842
    Santa Clara County, CA$5,199$4,860
    Boston, MA$5,163$4,815
    Northern New Jersey, NJ$5,094$4,938
    Long Island, NY$5,061$4,644
    Martha'S Vineyard, MA$5,025$4,371
    Florida Keys, FL$4,872$4,017
    Monterey, CA$4,824$3,723
    Hanscom Afb, MA$4,770$4,371
    Kauai County, HI$4,662$4,095
    Camp Pendleton, CA$4,659$4,239
    Staten Island, NY$4,554$4,038
    Essex Co, MA$4,533$3,642
    Los Angeles, CA$4,524$4,074
    San Diego, CA$4,518$4,248
    Portsmouth, NH$4,461$3,555
    Miami/Fort Lauderdale, FL$4,437$3,738
    Honolulu County, HI$4,428$3,819
    Cape Cod-Plymouth, MA$4,419$3,966
    West Point, NY$4,380$3,882
    Oakland, CA$4,362$3,981
    Trenton, NJ$4,362$3,786
    Fort Monmouth/Earle Nws, NJ$4,332$3,888
    Portland, ME$4,260$3,456
    Perth Amboy, NJ$4,239$3,825
    Manchester/Concord, NH$4,233$3,396
    San Luis Obispo, CA$4,215$3,675
    Seattle, WA$4,215$3,627
    Ventura, CA$4,212$3,834
    Burlington, VT$4,203$3,516
    Marin/Sonoma, CA$4,146$3,630
    Newport, RI$4,137$3,231
    Fitchburg, MA$4,059$3,330
    Washington, DC$4,020$3,531
    Providence, RI$4,008$3,357
    West Palm Beach, FL$3,975$3,534
    Hawaii County, HI$3,945$3,744
    New Haven/Fairfield, CT$3,843$3,483
    Vandenberg Sfb, CA$3,780$3,528
    Brunswick, ME$3,762$2,856
    Hartford, CT$3,759$3,174
    Worcester, MA$3,756$3,219
    Chicago, IL$3,738$3,603
    Boulder, CO$3,711$3,129
    Santa Fe/Los Alamos, NM$3,711$3,249
    Riverside, CA$3,705$3,471
    Indian Head Navordsta, MD$3,669$3,327
    Warrenton, VA$3,666$3,261
    Atlantic City, NJ$3,624$3,060
    Juneau, AK$3,594$3,060
    Everett, WA$3,567$3,063
    Jb Mcguire-Dix-Lakehurst, NJ$3,552$3,219
    Vallejo/Travis Afb, CA$3,537$3,444
    Sitka, AK$3,462$2,886
    Austin, TX$3,447$2,676
    Annapolis, MD$3,438$3,114
    Willow Grove, PA$3,438$3,228
    Hampden County, MA$3,426$2,682
    Madison, WI$3,426$2,799
    San Bernardino, CA$3,414$3,339
    Fort G. G. Meade, MD$3,411$3,138
    Eglin Afb, FL$3,399$2,592
    Anchorage, AK$3,360$2,643
    Ann Arbor, MI$3,357$2,889
    Ketchikan, AK$3,327$2,772
    Quantico/Woodbridge, VA$3,327$3,090
    Stockton, CA$3,309$2,793
    New London, CT$3,306$2,892
    Edwards Afb/Palmdale, CA$3,264$2,976
    Fort Detrick, MD$3,255$2,922
    Ballston Spa/Albany, NY$3,234$2,775
    Astoria, OR$3,213$2,526
    Denver, CO$3,207$2,979
    Milwaukee, WI$3,189$2,658
    Cape May, NJ$3,186$2,955
    Kodiak Island, AK$3,174$2,694
    Beale Afb, CA$3,165$3,066
    Baltimore, MD$3,156$2,793
    Fort Myers Beach, FL$3,129$2,835
    Tacoma, WA$3,123$2,784
    Whidbey Island, WA$3,105$2,499
    Outer Banks, NC$3,087$2,820
    Tampa, FL$3,081$2,919
    Port Angeles, WA$3,081$2,706
    Fort Pierce, FL$3,078$2,772
    Aberdeen Proving Grounds, MD$3,072$2,643
    Traverse City, MI$3,069$2,535
    Dover Afb/Rehoboth, DE$3,051$2,409
    Charlottesville, VA$3,045$2,589
    Bremerton, WA$3,045$2,595
    Sacramento, CA$3,039$2,943
    Portland, OR$3,030$2,616
    Bridgeport, CA$3,018$2,541
    Great Lakes Navtracen, IL$3,018$2,637
    Philadelphia, PA$3,015$2,871
    Orlando, FL$2,997$2,847
    Oxford, MD$2,985$2,679
    Fairbanks, AK$2,937$2,301
    Fresno, CA$2,937$2,685
    Patrick Sfb, FL$2,922$2,742
    Minneapolis/St Paul, MN$2,910$2,688
    Knoxville, TN$2,904$2,481
    Rome/Griffiss Afb, NY$2,880$2,508
    Allentown/Bethlehem, PA$2,880$2,670
    Coastal Maine, ME$2,868$2,514
    Corvallis, OR$2,865$2,592
    Beaufort/Parris Island, SC$2,856$2,661
    Dallas, TX$2,847$2,682
    Spokane, WA$2,844$2,418
    Humboldt County, CA$2,838$2,193
    Asheville, NC$2,835$2,439
    Twenty Nine Palms Mcb, CA$2,814$2,343
    Syracuse, NY$2,811$2,262
    Fort Collins, CO$2,805$2,433
    Reno/Carson City, NV$2,799$2,571
    Nashville, TN$2,784$2,523
    Detroit, MI$2,778$2,499
    Helena, MT$2,772$2,298
    Buffalo, NY$2,772$2,427
    Patuxent River, MD$2,769$2,490
    Eugene, OR$2,766$2,370
    St. Louis, MO$2,760$2,571
    Richmond/Fort Lee, VA$2,760$2,526
    Rochester, NY$2,757$2,403
    Barstow/Fort Irwin, CA$2,748$2,274
    Atlanta, GA$2,745$2,589
    Savannah, GA$2,745$2,562
    Salt Lake City, UT$2,742$2,271
    Charleston, SC$2,721$2,529
    Panama City, FL$2,709$2,337
    Salem, OR$2,709$2,253
    Yakima, WA$2,703$2,214
    Houston, TX$2,700$2,397
    Gainesville, FL$2,697$2,238
    Coos Bay, OR$2,697$2,085
    Norfolk/Portsmouth, VA$2,694$2,505
    College Station, TX$2,685$2,160
    Elizabeth City, NC$2,667$2,538
    El Centro, CA$2,664$2,085
    Pittsburgh, PA$2,643$2,484
    Volusia County, FL$2,634$2,415
    Wilmington, NC$2,628$2,334
    Cincinnati, OH$2,604$2,433
    Omaha/Offutt Afb, NE$2,601$2,268
    Fort Stewart, GA$2,598$2,385
    Colorado Springs, CO$2,595$2,397
    Tallahassee, FL$2,580$2,010
    State College, PA$2,580$2,097
    Columbus, OH$2,577$2,103
    Birmingham, AL$2,565$2,490
    Carlisle Barracks, PA$2,559$2,265
    New Orleans, LA$2,553$2,202
    Grand Haven, MI$2,553$2,370
    Dahlonega, GA$2,550$2,400
    Provo, UT$2,529$2,160
    Myrtle Beach, SC$2,523$2,262
    Chattanooga, TN$2,520$2,247
    Durham/Chapel Hill, NC$2,517$2,289
    Bangor, ME$2,514$1,989
    Battle Creek/Kalamazoo, MI$2,514$2,220
    Fargo, ND$2,511$2,106
    Jackson, MS$2,502$2,070
    Fort Campbell, KY$2,496$1,995
    Phoenix, AZ$2,490$2,391
    Eastern Panhandle, WV$2,478$2,178
    Rapid City/Ellsworth Afb, SD$2,475$2,124
    Corpus Christi, TX$2,475$2,061
    Hampton/Newport News, VA$2,475$2,361
    Charlotte, NC$2,472$2,337
    Bloomington, IN$2,469$1,953
    Fort Drum/Watertown, NY$2,469$1,902
    Fort Worth, TX$2,460$2,310
    Cleveland, OH$2,457$2,265
    Lemoore Nas, CA$2,451$2,220
    Cheyenne, WY$2,442$2,010
    Ocala, FL$2,439$2,394
    Grand Rapids, MI$2,439$2,307
    Des Moines, IA$2,433$2,049
    Fort Knox, KY$2,421$1,956
    Morehead/Cherry Pt Mcas, NC$2,421$1,971
    Kings Bay/Brunswick, GA$2,418$2,157
    Auburn, AL$2,412$1,884
    Eastern Shore, MD$2,406$2,238
    Albuquerque/Kirtland Afb, NM$2,397$2,280
    Fort Leavenworth, KS$2,394$2,013
    Louisville, KY$2,394$2,166
    Raleigh, NC$2,391$2,232
    Marquette, MI$2,385$1,935
    Nellis Afb/Las Vegas, NV$2,382$2,151
    Waco, TX$2,379$1,971
    Boise, ID$2,370$2,148
    Duluth, MN$2,370$2,232
    Bismarck, ND$2,370$1,980
    Jacksonville, FL$2,364$2,211
    Ogden/Hill Afb, UT$2,361$2,181
    Fayetteville, AR$2,355$1,944
    Memphis, TN$2,352$2,253
    Johnson City/Kingsport, TN$2,343$1,914
    Fort Hood, TX$2,340$1,833
    Mountain Home Afb, ID$2,325$1,977
    Wichita Fls/Sheppard Afb, TX$2,325$1,887
    Fallon Nas, NV$2,319$1,785
    Kansas City, MO$2,310$2,103
    Indianapolis, IN$2,307$2,085
    Roanoke, VA$2,301$2,013
    Rock Island, IL$2,298$2,118
    Lincoln, NE$2,280$1,992
    Pensacola, FL$2,271$2,097
    Shreveport/Barksdale Afb, LA$2,268$1,956
    Malmstrom Sfb/Great Falls, MT$2,268$1,767
    Fort Rucker, AL$2,262$1,767
    Greensboro, NC$2,259$1,995
    Abilene/Dyess Afb, TX$2,253$1,974
    Fort Gordon, AL$2,250$2,058
    Whiteman Afb, MO$2,244$1,812
    Fort Huachuca, AZ$2,232$2,019
    Columbia/Fort Jackson, SC$2,232$2,028
    Baton Rouge, LA$2,229$2,076
    Huntsville, AL$2,226$1,974
    Seymour Johnson Afb, NC$2,226$1,794
    Scott Afb, IL$2,208$1,830
    Fort Wayne, IN$2,205$2,058
    Lexington, KY$2,205$2,049
    Greenville, SC$2,205$2,019
    Mobile, AL$2,202$2,001
    El Paso, TX$2,202$2,022
    Davis-Monthan Afb, AZ$2,199$2,037
    Robins Afb, GA$2,199$1,842
    Grand Forks, ND$2,199$1,902
    Toledo, OH$2,199$2,112
    Goodfellow Afb, TX$2,193$1,740
    Columbus Afb, MS$2,181$1,779
    Fort Bragg/Pope, NC$2,175$1,956
    Minot Afb, ND$2,175$1,824
    Brownsville, TX$2,169$1,728
    China Lake, CA$2,154$1,689
    Frankfort, KY$2,133$1,665
    Lexington, VA$2,130$1,827
    Champaign/Urbana, IL$2,127$1,818
    Lansing, MI$2,127$1,914
    San Antonio, TX$2,127$2,007
    Laughlin Afb/Del Rio, TX$2,121$1,686
    Columbia/Jefferson City, MO$2,118$1,656
    Tulsa, OK$2,106$1,830
    Sioux Falls, SD$2,106$1,854
    Wright-Patterson Afb, OH$2,097$1,773
    Camp Lejeune, NC$2,085$1,809
    Wilkes-Barre/Scranton, PA$2,085$1,827
    White Sands Mr/Las Cruces, NM$2,082$1,842
    Topeka, KS$2,064$1,776
    Fort Benning, GA$2,058$1,878
    Sumter/Shaw Afb, SC$2,052$1,785
    Yuma, AZ$2,049$1,785
    Peoria, IL$2,040$1,752
    Lafayette, LA$2,040$1,746
    Gulfport, MS$2,040$1,623
    Paducah, KY$2,031$1,689
    Morgantown, WV$2,031$1,812
    Fort Leonard Wood, MO$2,028$1,629
    St Mary And Terrebonne, LA$2,007$1,647
    Moody Afb, GA$2,004$1,773
    Springfield/Decatur, IL$2,001$1,713
    Terre Haute, IN$2,001$1,701
    Springfield, MO$1,998$1,686
    Lubbock, TX$1,983$1,689
    Lake Charles, LA$1,977$1,551
    Akron, OH$1,977$1,797
    Little Rock, AR$1,974$1,902
    Oklahoma City, OK$1,974$1,773
    Fort Chaffee/Fort Smith, AR$1,962$1,527
    Sault Ste Marie, MI$1,959$1,779
    Beaumont, TX$1,956$1,770
    Fort Riley, KS$1,953$1,611
    Meridian, MS$1,953$1,527
    Alexandria, LA$1,950$1,536
    Wichita/Mcconnell Afb, KS$1,938$1,572
    Fort Polk, LA$1,938$1,611
    Montgomery, AL$1,932$1,725
    Sparta/Fort Mccoy, WI$1,923$1,680
    Huntington, WV$1,917$1,686
    Albany, GA$1,905$1,515
    Holloman Afb/Alamogordo, NM$1,905$1,764
    Cannon Afb/Clovis, NM$1,875$1,506
    Erie, PA$1,872$1,596
    Hattiesburg, MS$1,866$1,470
    Charleston, WV$1,860$1,632
    Saginaw, MI$1,842$1,656
    Altus Afb, OK$1,833$1,449
    Vance Afb/Enid, OK$1,818$1,443
    Youngstown, OH$1,767$1,344
    Fort Sill/Lawton, OK$1,758$1,395
    Stevens Point, WI$1,746$1,572
    Monroe, LA$1,728$1,470
    Anniston/Fort Mcclellan, AL$1,686$1,377

    About O-3 BAH Rates

    The 2026 BAH rate for O-3 (Captain/Lieutenant) varies from $1,686/mo in Anniston/Fort Mcclellan, AL to $6,633/mo in Westchester County, NY (with dependents).

    The national average BAH for O-3 is $2,859/mo with dependents and $2,493/mo without dependents. Use our BAH calculator to find your exact rate based on duty station.

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