O-1 BAH Rates in SAGINAW, MI (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in SAGINAW, MI is $1,542 per month with dependents and $1,158 per month without dependents. This rate is $793 below 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 SAGINAW is approximately $6,190.48 with dependents or $5,806.48 without.
O-1 BAH: SAGINAW vs National Average
| SAGINAW | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $1,542 | $2,335 | $-793 |
| Without Dependents | $1,158 | $1,975 | $-817 |
O-1 Total Monthly Compensation in SAGINAW
Here is how O-1 pay breaks down for a service member with 2 years of service stationed in SAGINAW:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,320 | $4,320 |
| BAH | $1,542 | $1,158 |
| BAS | $328.48 | $328.48 |
| Total | $6,190.48 | $5,806.48 |
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 SAGINAW
- E-3 — $1,329/mo
- E-4 — $1,329/mo
- E-5 — $1,503/mo
- E-6 — $1,749/mo
- E-7 — $1,782/mo
- O-2 — $1,746/mo
- O-3 — $1,842/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-1 in SAGINAW?
The 2026 O-1 BAH rate in SAGINAW is $1,542/mo with dependents and $1,158/mo without dependents.
What is the total monthly pay for O-1 in SAGINAW?
An O-1 with 2 years of service in SAGINAW earns approximately $6,190.48/mo total compensation with dependents (base pay $4,320 + BAH $1,542 + BAS $328.48). Without dependents: $5,806.48/mo.
Is SAGINAW BAH above or below average?
O-1 BAH in SAGINAW is $793 below the national average of $2,335/mo with dependents.