O-3 BAH Rates in Frankfort, KY (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Frankfort, KY is $2,133 per month with dependents and $1,665 per month without dependents. This rate is $726 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 Frankfort is approximately $10,198.48 with dependents or $9,730.48 without.

O-3 BAH: Frankfort vs National Average

	Frankfort	National Avg	Difference
With Dependents	$2,133	$2,859	−$726
Without Dependents	$1,665	$2,493	−$828

O-3 Total Monthly Compensation in Frankfort

Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Frankfort:

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$2,133	$1,665
BAS	$328.48	$328.48
Total	$10,198.48	$9,730.48

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 Frankfort

• E-3 — $1,287/mo
• E-4 — $1,287/mo
• E-5 — $1,410/mo
• E-6 — $1,815/mo
• E-7 — $1,932/mo
• O-1 — $1,464/mo
• O-2 — $1,812/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-3 in Frankfort?

The 2026 O-3 BAH rate in Frankfort is $2,133/mo with dependents and $1,665/mo without dependents.

What is the total monthly pay for O-3 in Frankfort?

An O-3 with 6 years of service in Frankfort earns approximately $10,198.48/mo total compensation with dependents (base pay $7,737 + BAH $2,133 + BAS $328.48). Without dependents: $9,730.48/mo.

Is Frankfort BAH above or below average?

O-3 BAH in Frankfort is $726 below the national average of $2,859/mo with dependents.

View all Kentucky BAH rates →