O-2 BAH Rates in Champaign/Urbana, IL (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Champaign/Urbana, IL is $1,977 per month with dependents and $1,530 per month without dependents. This rate is $631 below 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 Champaign/Urbana is approximately $8,789.98 with dependents or $8,342.98 without.
O-2 BAH: Champaign/Urbana vs National Average
| Champaign/Urbana | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $1,977 | $2,608 | −$631 |
| Without Dependents | $1,530 | $2,243 | −$713 |
O-2 Total Monthly Compensation in Champaign/Urbana
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Champaign/Urbana:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $1,977 | $1,530 |
| BAS | $328.48 | $328.48 |
| Total | $8,789.98 | $8,342.98 |
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 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-1 — $1,599/mo
- O-3 — $2,127/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in Champaign/Urbana?
The 2026 O-2 BAH rate in Champaign/Urbana is $1,977/mo with dependents and $1,530/mo without dependents.
What is the total monthly pay for O-2 in Champaign/Urbana?
An O-2 with 4 years of service in Champaign/Urbana earns approximately $8,789.98/mo total compensation with dependents (base pay $6,484.5 + BAH $1,977 + BAS $328.48). Without dependents: $8,342.98/mo.
Is Champaign/Urbana BAH above or below average?
O-2 BAH in Champaign/Urbana is $631 below the national average of $2,608/mo with dependents.
O-2 BAH in Champaign/Urbana, IL, in context
An O-2 with dependents in Champaign/Urbana, IL draws $1,977/mo — 24.2% below the national average of $2,608 for this grade (232nd of 299 MHAs). Without dependents the rate is $1,530/mo, a $447 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $150/mo (to $2,127), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.