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.

View all Florida BAH rates →