O-1 BAH Rates in Baltimore, MD (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in Baltimore, MD is $2,652 per month with dependents and $2,205 per month without dependents. This rate is $317 above the national average for O-1.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-1 base pay of $4,320/mo (at 2 years of service) and BAS of $328.48/mo, total monthly compensation in Baltimore is approximately $7,300.48 with dependents or $6,853.48 without.
O-1 BAH: Baltimore vs National Average
| Baltimore | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,652 | $2,335 | +$317 |
| Without Dependents | $2,205 | $1,975 | +$230 |
O-1 Total Monthly Compensation in Baltimore
Here is how O-1 pay breaks down for a service member with 2 years of service stationed in Baltimore:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,320 | $4,320 |
| BAH | $2,652 | $2,205 |
| BAS | $328.48 | $328.48 |
| Total | $7,300.48 | $6,853.48 |
Base pay shown for 2 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 Baltimore
- E-3 — $2,409/mo
- E-4 — $2,409/mo
- E-5 — $2,610/mo
- E-6 — $2,904/mo
- E-7 — $2,994/mo
- O-2 — $2,901/mo
- O-3 — $3,156/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-1 in Baltimore?
The 2026 O-1 BAH rate in Baltimore is $2,652/mo with dependents and $2,205/mo without dependents.
What is the total monthly pay for O-1 in Baltimore?
An O-1 with 2 years of service in Baltimore earns approximately $7,300.48/mo total compensation with dependents (base pay $4,320 + BAH $2,652 + BAS $328.48). Without dependents: $6,853.48/mo.
Is Baltimore BAH above or below average?
O-1 BAH in Baltimore is $317 above the national average of $2,335/mo with dependents.
O-1 BAH in Baltimore, MD, in context
An O-1 with dependents in Baltimore, MD draws $2,652/mo — 13.6% above the national average of $2,335 for this grade (79th of 299 MHAs). Without dependents the rate is $2,205/mo, a $447 difference.
Promotion changes housing money here: pinning on O-2 raises BAH in this MHA by $249/mo (to $2,901), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.