O-1 BAH Rates in Champaign/Urbana, IL (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in Champaign/Urbana, IL is $1,599 per month with dependents and $1,392 per month without dependents. This rate is $736 below 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 Champaign/Urbana is approximately $6,247.48 with dependents or $6,040.48 without.
O-1 BAH: Champaign/Urbana vs National Average
| Champaign/Urbana | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $1,599 | $2,335 | −$736 |
| Without Dependents | $1,392 | $1,975 | −$583 |
O-1 Total Monthly Compensation in Champaign/Urbana
Here is how O-1 pay breaks down for a service member with 2 years of service stationed in Champaign/Urbana:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,320 | $4,320 |
| BAH | $1,599 | $1,392 |
| BAS | $328.48 | $328.48 |
| Total | $6,247.48 | $6,040.48 |
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 Champaign/Urbana
- E-3 — $1,467/mo
- E-4 — $1,467/mo
- E-5 — $1,539/mo
- E-6 — $1,980/mo
- E-7 — $2,034/mo
- O-2 — $1,977/mo
- O-3 — $2,127/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-1 in Champaign/Urbana?
The 2026 O-1 BAH rate in Champaign/Urbana is $1,599/mo with dependents and $1,392/mo without dependents.
What is the total monthly pay for O-1 in Champaign/Urbana?
An O-1 with 2 years of service in Champaign/Urbana earns approximately $6,247.48/mo total compensation with dependents (base pay $4,320 + BAH $1,599 + BAS $328.48). Without dependents: $6,040.48/mo.
Is Champaign/Urbana BAH above or below average?
O-1 BAH in Champaign/Urbana is $736 below the national average of $2,335/mo with dependents.
O-1 BAH in Champaign/Urbana, IL, in context
An O-1 with dependents in Champaign/Urbana, IL draws $1,599/mo — 31.5% below the national average of $2,335 for this grade (258th of 299 MHAs). Without dependents the rate is $1,392/mo, a $207 difference.
Promotion changes housing money here: pinning on O-2 raises BAH in this MHA by $378/mo (to $1,977), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.