O-3 BAH Rates in Montgomery, AL (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Montgomery, AL is $1,932 per month with dependents and $1,725 per month without dependents. This rate is $927 below the national average for O-3.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in Montgomery is approximately $9,997.48 with dependents or $9,790.48 without.

O-3 BAH: Montgomery vs National Average

	Montgomery	National Avg	Difference
With Dependents	$1,932	$2,859	−$927
Without Dependents	$1,725	$2,493	−$768

O-3 Total Monthly Compensation in Montgomery

Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Montgomery:

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$1,932	$1,725
BAS	$328.48	$328.48
Total	$9,997.48	$9,790.48

Base pay shown for 6 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.

Other Ranks in Montgomery

• E-3 — $1,605/mo
• E-4 — $1,605/mo
• E-5 — $1,683/mo
• E-6 — $1,758/mo
• E-7 — $1,818/mo
• O-1 — $1,701/mo
• O-2 — $1,755/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-3 in Montgomery?

The 2026 O-3 BAH rate in Montgomery is $1,932/mo with dependents and $1,725/mo without dependents.

What is the total monthly pay for O-3 in Montgomery?

An O-3 with 6 years of service in Montgomery earns approximately $9,997.48/mo total compensation with dependents (base pay $7,737 + BAH $1,932 + BAS $328.48). Without dependents: $9,790.48/mo.

Is Montgomery BAH above or below average?

O-3 BAH in Montgomery is $927 below the national average of $2,859/mo with dependents.

View all Alabama BAH rates →