O-3 BAH Rates in Miami/Fort Lauderdale, FL (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Miami/Fort Lauderdale, FL is $4,437 per month with dependents and $3,738 per month without dependents. This rate is $1,578 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 Miami/Fort Lauderdale is approximately $12,502.48 with dependents or $11,803.48 without.
O-3 BAH: Miami/Fort Lauderdale vs National Average
| Miami/Fort Lauderdale | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $4,437 | $2,859 | +$1,578 |
| Without Dependents | $3,738 | $2,493 | +$1,245 |
O-3 Total Monthly Compensation in Miami/Fort Lauderdale
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Miami/Fort Lauderdale:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $4,437 | $3,738 |
| BAS | $328.48 | $328.48 |
| Total | $12,502.48 | $11,803.48 |
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 Miami/Fort Lauderdale
- E-3 — $3,459/mo
- E-4 — $3,459/mo
- E-5 — $3,660/mo
- E-6 — $3,792/mo
- E-7 — $4,026/mo
- O-1 — $3,687/mo
- O-2 — $3,789/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Miami/Fort Lauderdale?
The 2026 O-3 BAH rate in Miami/Fort Lauderdale is $4,437/mo with dependents and $3,738/mo without dependents.
What is the total monthly pay for O-3 in Miami/Fort Lauderdale?
An O-3 with 6 years of service in Miami/Fort Lauderdale earns approximately $12,502.48/mo total compensation with dependents (base pay $7,737 + BAH $4,437 + BAS $328.48). Without dependents: $11,803.48/mo.
Is Miami/Fort Lauderdale BAH above or below average?
O-3 BAH in Miami/Fort Lauderdale is $1,578 above the national average of $2,859/mo with dependents.
O-3 BAH in Miami/Fort Lauderdale, FL, in context
An O-3 with dependents in Miami/Fort Lauderdale, FL draws $4,437/mo — 55.2% above the national average of $2,859 for this grade (21st of 299 MHAs). Without dependents the rate is $3,738/mo, a $699 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $771/mo (to $5,208), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.