O-3 BAH Rates in Springfield/Decatur, IL (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Springfield/Decatur, IL is $2,001 per month with dependents and $1,713 per month without dependents. This rate is $858 below 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 Springfield/Decatur is approximately $10,066.48 with dependents or $9,778.48 without.
O-3 BAH: Springfield/Decatur vs National Average
| Springfield/Decatur | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,001 | $2,859 | −$858 |
| Without Dependents | $1,713 | $2,493 | −$780 |
O-3 Total Monthly Compensation in Springfield/Decatur
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Springfield/Decatur:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $2,001 | $1,713 |
| BAS | $328.48 | $328.48 |
| Total | $10,066.48 | $9,778.48 |
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 Springfield/Decatur
- E-3 — $1,356/mo
- E-4 — $1,356/mo
- E-5 — $1,527/mo
- E-6 — $1,824/mo
- E-7 — $1,887/mo
- O-1 — $1,572/mo
- O-2 — $1,821/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Springfield/Decatur?
The 2026 O-3 BAH rate in Springfield/Decatur is $2,001/mo with dependents and $1,713/mo without dependents.
What is the total monthly pay for O-3 in Springfield/Decatur?
An O-3 with 6 years of service in Springfield/Decatur earns approximately $10,066.48/mo total compensation with dependents (base pay $7,737 + BAH $2,001 + BAS $328.48). Without dependents: $9,778.48/mo.
Is Springfield/Decatur BAH above or below average?
O-3 BAH in Springfield/Decatur is $858 below the national average of $2,859/mo with dependents.
O-3 BAH in Springfield/Decatur, IL, in context
An O-3 with dependents in Springfield/Decatur, IL draws $2,001/mo — 30% below the national average of $2,859 for this grade (267th of 299 MHAs). Without dependents the rate is $1,713/mo, a $288 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $237/mo (to $2,238), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.