O-3 BAH Rates in FLORIDA KEYS, FL (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in FLORIDA KEYS, FL is $4,872 per month with dependents and $4,017 per month without dependents. This rate is $2,013 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 FLORIDA KEYS is approximately $12,937.48 with dependents or $12,082.48 without.
O-3 BAH: FLORIDA KEYS vs National Average
| FLORIDA KEYS | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $4,872 | $2,859 | +$2,013 |
| Without Dependents | $4,017 | $2,493 | +$1,524 |
O-3 Total Monthly Compensation in FLORIDA KEYS
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in FLORIDA KEYS:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $4,872 | $4,017 |
| BAS | $328.48 | $328.48 |
| Total | $12,937.48 | $12,082.48 |
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 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-2 — $4,053/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in FLORIDA KEYS?
The 2026 O-3 BAH rate in FLORIDA KEYS is $4,872/mo with dependents and $4,017/mo without dependents.
What is the total monthly pay for O-3 in FLORIDA KEYS?
An O-3 with 6 years of service in FLORIDA KEYS earns approximately $12,937.48/mo total compensation with dependents (base pay $7,737 + BAH $4,872 + BAS $328.48). Without dependents: $12,082.48/mo.
Is FLORIDA KEYS BAH above or below average?
O-3 BAH in FLORIDA KEYS is $2,013 above the national average of $2,859/mo with dependents.