O-3 BAH Rates in ANNAPOLIS, MD (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in ANNAPOLIS, MD is $3,438 per month with dependents and $3,114 per month without dependents. This rate is $579 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 ANNAPOLIS is approximately $11,503.48 with dependents or $11,179.48 without.
O-3 BAH: ANNAPOLIS vs National Average
| ANNAPOLIS | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $3,438 | $2,859 | +$579 |
| Without Dependents | $3,114 | $2,493 | +$621 |
O-3 Total Monthly Compensation in ANNAPOLIS
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in ANNAPOLIS:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $3,438 | $3,114 |
| BAS | $328.48 | $328.48 |
| Total | $11,503.48 | $11,179.48 |
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 ANNAPOLIS
- E-3 — $2,757/mo
- E-4 — $2,757/mo
- E-5 — $2,928/mo
- E-6 — $3,228/mo
- E-7 — $3,303/mo
- O-1 — $2,970/mo
- O-2 — $3,225/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in ANNAPOLIS?
The 2026 O-3 BAH rate in ANNAPOLIS is $3,438/mo with dependents and $3,114/mo without dependents.
What is the total monthly pay for O-3 in ANNAPOLIS?
An O-3 with 6 years of service in ANNAPOLIS earns approximately $11,503.48/mo total compensation with dependents (base pay $7,737 + BAH $3,438 + BAS $328.48). Without dependents: $11,179.48/mo.
Is ANNAPOLIS BAH above or below average?
O-3 BAH in ANNAPOLIS is $579 above the national average of $2,859/mo with dependents.