O-1 BAH Rates in Florida Keys, FL (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in Florida Keys, FL is $3,987 per month with dependents and $3,657 per month without dependents. This rate is $1,652 above 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 Florida Keys is approximately $8,635.48 with dependents or $8,305.48 without.

O-1 BAH: Florida Keys vs National Average

	Florida Keys	National Avg	Difference
With Dependents	$3,987	$2,335	+$1,652
Without Dependents	$3,657	$1,975	+$1,682

O-1 Total Monthly Compensation in Florida Keys

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

Component	With Dependents	Without Dependents
Base Pay	$4,320	$4,320
BAH	$3,987	$3,657
BAS	$328.48	$328.48
Total	$8,635.48	$8,305.48

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 Florida Keys

• E-3 — $3,813/mo
• E-4 — $3,813/mo
• E-5 — $3,969/mo
• E-6 — $4,056/mo
• E-7 — $4,350/mo
• O-2 — $4,053/mo
• O-3 — $4,872/mo

Frequently Asked Questions

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

The 2026 O-1 BAH rate in Florida Keys is $3,987/mo with dependents and $3,657/mo without dependents.

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

An O-1 with 2 years of service in Florida Keys earns approximately $8,635.48/mo total compensation with dependents (base pay $4,320 + BAH $3,987 + BAS $328.48). Without dependents: $8,305.48/mo.

Is Florida Keys BAH above or below average?

O-1 BAH in Florida Keys is $1,652 above the national average of $2,335/mo with dependents.

View all Florida BAH rates →