O-2 BAH Rates in Oxford, MD (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Oxford, MD is $2,811 per month with dependents and $2,391 per month without dependents. This rate is $203 above the national average for O-2.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in Oxford is approximately $9,623.98 with dependents or $9,203.98 without.
O-2 BAH: Oxford vs National Average
| Oxford | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,811 | $2,608 | +$203 |
| Without Dependents | $2,391 | $2,243 | +$148 |
O-2 Total Monthly Compensation in Oxford
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Oxford:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $2,811 | $2,391 |
| BAS | $328.48 | $328.48 |
| Total | $9,623.98 | $9,203.98 |
Base pay shown for 4 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 Oxford
- E-3 — $2,271/mo
- E-4 — $2,271/mo
- E-5 — $2,445/mo
- E-6 — $2,814/mo
- E-7 — $2,877/mo
- O-1 — $2,496/mo
- O-3 — $2,985/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in Oxford?
The 2026 O-2 BAH rate in Oxford is $2,811/mo with dependents and $2,391/mo without dependents.
What is the total monthly pay for O-2 in Oxford?
An O-2 with 4 years of service in Oxford earns approximately $9,623.98/mo total compensation with dependents (base pay $6,484.5 + BAH $2,811 + BAS $328.48). Without dependents: $9,203.98/mo.
Is Oxford BAH above or below average?
O-2 BAH in Oxford is $203 above the national average of $2,608/mo with dependents.
O-2 BAH in Oxford, MD, in context
An O-2 with dependents in Oxford, MD draws $2,811/mo — 7.8% above the national average of $2,608 for this grade (90th of 299 MHAs). Without dependents the rate is $2,391/mo, a $420 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $174/mo (to $2,985), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.