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.

View all Maryland BAH rates →