O-3 BAH Rates in Bloomington, IN (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Bloomington, IN is $2,469 per month with dependents and $1,953 per month without dependents. This rate is $390 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 Bloomington is approximately $10,534.48 with dependents or $10,018.48 without.
O-3 BAH: Bloomington vs National Average
| Bloomington | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,469 | $2,859 | −$390 |
| Without Dependents | $1,953 | $2,493 | −$540 |
O-3 Total Monthly Compensation in Bloomington
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Bloomington:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $2,469 | $1,953 |
| BAS | $328.48 | $328.48 |
| Total | $10,534.48 | $10,018.48 |
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 Bloomington
- E-3 — $1,755/mo
- E-4 — $1,755/mo
- E-5 — $1,905/mo
- E-6 — $1,956/mo
- E-7 — $2,139/mo
- O-1 — $1,920/mo
- O-2 — $1,953/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Bloomington?
The 2026 O-3 BAH rate in Bloomington is $2,469/mo with dependents and $1,953/mo without dependents.
What is the total monthly pay for O-3 in Bloomington?
An O-3 with 6 years of service in Bloomington earns approximately $10,534.48/mo total compensation with dependents (base pay $7,737 + BAH $2,469 + BAS $328.48). Without dependents: $10,018.48/mo.
Is Bloomington BAH above or below average?
O-3 BAH in Bloomington is $390 below the national average of $2,859/mo with dependents.
O-3 BAH in Bloomington, IN, in context
An O-3 with dependents in Bloomington, IN draws $2,469/mo — 13.6% below the national average of $2,859 for this grade (175th of 299 MHAs). Without dependents the rate is $1,953/mo, a $516 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $441/mo (to $2,910), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.