O-1 BAH Rates in Phoenix, AZ (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in Phoenix, AZ is $2,319 per month with dependents and $1,830 per month without dependents. This rate is $16 below the national average for O-1.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-1 base pay of $4,320/mo (at 2 years of service) and BAS of $328.48/mo, total monthly compensation in Phoenix is approximately $6,967.48 with dependents or $6,478.48 without.

O-1 BAH: Phoenix vs National Average

	Phoenix	National Avg	Difference
With Dependents	$2,319	$2,335	−$16
Without Dependents	$1,830	$1,975	−$145

O-1 Total Monthly Compensation in Phoenix

Here is how O-1 pay breaks down for a service member with 2 years of service stationed in Phoenix:

Component	With Dependents	Without Dependents
Base Pay	$4,320	$4,320
BAH	$2,319	$1,830
BAS	$328.48	$328.48
Total	$6,967.48	$6,478.48

Base pay shown for 2 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 Phoenix

• E-3 — $2,061/mo
• E-4 — $2,061/mo
• E-5 — $2,289/mo
• E-6 — $2,457/mo
• E-7 — $2,475/mo
• O-2 — $2,454/mo
• O-3 — $2,490/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-1 in Phoenix?

The 2026 O-1 BAH rate in Phoenix is $2,319/mo with dependents and $1,830/mo without dependents.

What is the total monthly pay for O-1 in Phoenix?

An O-1 with 2 years of service in Phoenix earns approximately $6,967.48/mo total compensation with dependents (base pay $4,320 + BAH $2,319 + BAS $328.48). Without dependents: $6,478.48/mo.

Is Phoenix BAH above or below average?

O-1 BAH in Phoenix is $16 below the national average of $2,335/mo with dependents.

View all Arizona BAH rates →