O-3 BAH Rates in Baltimore, MD (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Baltimore, MD is $3,156 per month with dependents and $2,793 per month without dependents. This rate is $297 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 Baltimore is approximately $11,221.48 with dependents or $10,858.48 without.
O-3 BAH: Baltimore vs National Average
| Baltimore | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $3,156 | $2,859 | +$297 |
| Without Dependents | $2,793 | $2,493 | +$300 |
O-3 Total Monthly Compensation in Baltimore
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Baltimore:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $3,156 | $2,793 |
| BAS | $328.48 | $328.48 |
| Total | $11,221.48 | $10,858.48 |
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 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-1 — $2,652/mo
- O-2 — $2,901/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Baltimore?
The 2026 O-3 BAH rate in Baltimore is $3,156/mo with dependents and $2,793/mo without dependents.
What is the total monthly pay for O-3 in Baltimore?
An O-3 with 6 years of service in Baltimore earns approximately $11,221.48/mo total compensation with dependents (base pay $7,737 + BAH $3,156 + BAS $328.48). Without dependents: $10,858.48/mo.
Is Baltimore BAH above or below average?
O-3 BAH in Baltimore is $297 above the national average of $2,859/mo with dependents.
O-3 BAH in Baltimore, MD, in context
An O-3 with dependents in Baltimore, MD draws $3,156/mo — 10.4% above the national average of $2,859 for this grade (82nd of 299 MHAs). Without dependents the rate is $2,793/mo, a $363 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $321/mo (to $3,477), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.