O-2 BAH Rates in Chicago, IL (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Chicago, IL is $3,699 per month with dependents and $3,354 per month without dependents. This rate is $1,091 above 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 Chicago is approximately $10,511.98 with dependents or $10,166.98 without.

O-2 BAH: Chicago vs National Average

	Chicago	National Avg	Difference
With Dependents	$3,699	$2,608	+$1,091
Without Dependents	$3,354	$2,243	+$1,111

O-2 Total Monthly Compensation in Chicago

Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Chicago:

Component	With Dependents	Without Dependents
Base Pay	$6,484.5	$6,484.5
BAH	$3,699	$3,354
BAS	$328.48	$328.48
Total	$10,511.98	$10,166.98

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 Chicago

• E-3 — $3,174/mo
• E-4 — $3,174/mo
• E-5 — $3,438/mo
• E-6 — $3,702/mo
• E-7 — $3,723/mo
• O-1 — $3,477/mo
• O-3 — $3,738/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-2 in Chicago?

The 2026 O-2 BAH rate in Chicago is $3,699/mo with dependents and $3,354/mo without dependents.

What is the total monthly pay for O-2 in Chicago?

An O-2 with 4 years of service in Chicago earns approximately $10,511.98/mo total compensation with dependents (base pay $6,484.5 + BAH $3,699 + BAS $328.48). Without dependents: $10,166.98/mo.

Is Chicago BAH above or below average?

O-2 BAH in Chicago is $1,091 above the national average of $2,608/mo with dependents.

View all Illinois BAH rates →