O-3 BAH Rates in Oxford, MD (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Oxford, MD is $2,985 per month with dependents and $2,679 per month without dependents. This rate is $126 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 Oxford is approximately $11,050.48 with dependents or $10,744.48 without.
O-3 BAH: Oxford vs National Average
| Oxford | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,985 | $2,859 | +$126 |
| Without Dependents | $2,679 | $2,493 | +$186 |
O-3 Total Monthly Compensation in Oxford
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Oxford:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $2,985 | $2,679 |
| BAS | $328.48 | $328.48 |
| Total | $11,050.48 | $10,744.48 |
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 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-2 — $2,811/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Oxford?
The 2026 O-3 BAH rate in Oxford is $2,985/mo with dependents and $2,679/mo without dependents.
What is the total monthly pay for O-3 in Oxford?
An O-3 with 6 years of service in Oxford earns approximately $11,050.48/mo total compensation with dependents (base pay $7,737 + BAH $2,985 + BAS $328.48). Without dependents: $10,744.48/mo.
Is Oxford BAH above or below average?
O-3 BAH in Oxford is $126 above the national average of $2,859/mo with dependents.
O-3 BAH in Oxford, MD, in context
An O-3 with dependents in Oxford, MD draws $2,985/mo — 4.4% above the national average of $2,859 for this grade (101st of 299 MHAs). Without dependents the rate is $2,679/mo, a $306 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $393/mo (to $3,378), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.