O-3 BAH Rates in Monterey, CA (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Monterey, CA is $4,824 per month with dependents and $3,723 per month without dependents. This rate is $1,965 above 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 Monterey is approximately $12,889.48 with dependents or $11,788.48 without.

O-3 BAH: Monterey vs National Average

	Monterey	National Avg	Difference
With Dependents	$4,824	$2,859	+$1,965
Without Dependents	$3,723	$2,493	+$1,230

O-3 Total Monthly Compensation in Monterey

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

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$4,824	$3,723
BAS	$328.48	$328.48
Total	$12,889.48	$11,788.48

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 Monterey

• E-3 — $3,249/mo
• E-4 — $3,249/mo
• E-5 — $3,465/mo
• E-6 — $3,867/mo
• E-7 — $4,218/mo
• O-1 — $3,519/mo
• O-2 — $3,864/mo

Frequently Asked Questions

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

The 2026 O-3 BAH rate in Monterey is $4,824/mo with dependents and $3,723/mo without dependents.

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

An O-3 with 6 years of service in Monterey earns approximately $12,889.48/mo total compensation with dependents (base pay $7,737 + BAH $4,824 + BAS $328.48). Without dependents: $11,788.48/mo.

Is Monterey BAH above or below average?

O-3 BAH in Monterey is $1,965 above the national average of $2,859/mo with dependents.

View all California BAH rates →