O-2 BAH Rates in Florida Keys, FL (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Florida Keys, FL is $4,053 per month with dependents and $3,921 per month without dependents. This rate is $1,445 above the national average for O-2.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in Florida Keys is approximately $10,865.98 with dependents or $10,733.98 without.
O-2 BAH: Florida Keys vs National Average
| Florida Keys | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $4,053 | $2,608 | +$1,445 |
| Without Dependents | $3,921 | $2,243 | +$1,678 |
O-2 Total Monthly Compensation in Florida Keys
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Florida Keys:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $4,053 | $3,921 |
| BAS | $328.48 | $328.48 |
| Total | $10,865.98 | $10,733.98 |
Base pay shown for 4 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-1 — $3,987/mo
- O-3 — $4,872/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in Florida Keys?
The 2026 O-2 BAH rate in Florida Keys is $4,053/mo with dependents and $3,921/mo without dependents.
What is the total monthly pay for O-2 in Florida Keys?
An O-2 with 4 years of service in Florida Keys earns approximately $10,865.98/mo total compensation with dependents (base pay $6,484.5 + BAH $4,053 + BAS $328.48). Without dependents: $10,733.98/mo.
Is Florida Keys BAH above or below average?
O-2 BAH in Florida Keys is $1,445 above the national average of $2,608/mo with dependents.
O-2 BAH in Florida Keys, FL, in context
An O-2 with dependents in Florida Keys, FL draws $4,053/mo — 55.4% above the national average of $2,608 for this grade (21st of 299 MHAs). Without dependents the rate is $3,921/mo, a $132 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $819/mo (to $4,872), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.