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

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Paducah, KY is $2,031 per month with dependents and $1,689 per month without dependents. This rate is $828 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 Paducah is approximately $10,096.48 with dependents or $9,754.48 without.

O-3 BAH: Paducah vs National Average

	Paducah	National Avg	Difference
With Dependents	$2,031	$2,859	−$828
Without Dependents	$1,689	$2,493	−$804

O-3 Total Monthly Compensation in Paducah

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

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$2,031	$1,689
BAS	$328.48	$328.48
Total	$10,096.48	$9,754.48

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 Paducah

• E-3 — $1,293/mo
• E-4 — $1,293/mo
• E-5 — $1,365/mo
• E-6 — $1,875/mo
• E-7 — $1,932/mo
• O-1 — $1,434/mo
• O-2 — $1,872/mo

Frequently Asked Questions

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

The 2026 O-3 BAH rate in Paducah is $2,031/mo with dependents and $1,689/mo without dependents.

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

An O-3 with 6 years of service in Paducah earns approximately $10,096.48/mo total compensation with dependents (base pay $7,737 + BAH $2,031 + BAS $328.48). Without dependents: $9,754.48/mo.

Is Paducah BAH above or below average?

O-3 BAH in Paducah is $828 below the national average of $2,859/mo with dependents.

View all Kentucky BAH rates →