O-3 BAH Rates in CHICAGO, IL (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in CHICAGO, IL is $3,738 per month with dependents and $3,603 per month without dependents. This rate is $879 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 CHICAGO is approximately $11,803.48 with dependents or $11,668.48 without.
O-3 BAH: CHICAGO vs National Average
| CHICAGO | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $3,738 | $2,859 | +$879 |
| Without Dependents | $3,603 | $2,493 | +$1,110 |
O-3 Total Monthly Compensation in CHICAGO
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in CHICAGO:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $3,738 | $3,603 |
| BAS | $328.48 | $328.48 |
| Total | $11,803.48 | $11,668.48 |
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 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-2 — $3,699/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in CHICAGO?
The 2026 O-3 BAH rate in CHICAGO is $3,738/mo with dependents and $3,603/mo without dependents.
What is the total monthly pay for O-3 in CHICAGO?
An O-3 with 6 years of service in CHICAGO earns approximately $11,803.48/mo total compensation with dependents (base pay $7,737 + BAH $3,738 + BAS $328.48). Without dependents: $11,668.48/mo.
Is CHICAGO BAH above or below average?
O-3 BAH in CHICAGO is $879 above the national average of $2,859/mo with dependents.