O-2 BAH Rates in SAGINAW, MI (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in SAGINAW, MI is $1,746 per month with dependents and $1,449 per month without dependents. This rate is $862 below 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 SAGINAW is approximately $8,558.98 with dependents or $8,261.98 without.
O-2 BAH: SAGINAW vs National Average
| SAGINAW | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $1,746 | $2,608 | $-862 |
| Without Dependents | $1,449 | $2,243 | $-794 |
O-2 Total Monthly Compensation in SAGINAW
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in SAGINAW:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $1,746 | $1,449 |
| BAS | $328.48 | $328.48 |
| Total | $8,558.98 | $8,261.98 |
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 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-1 — $1,542/mo
- O-3 — $1,842/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in SAGINAW?
The 2026 O-2 BAH rate in SAGINAW is $1,746/mo with dependents and $1,449/mo without dependents.
What is the total monthly pay for O-2 in SAGINAW?
An O-2 with 4 years of service in SAGINAW earns approximately $8,558.98/mo total compensation with dependents (base pay $6,484.5 + BAH $1,746 + BAS $328.48). Without dependents: $8,261.98/mo.
Is SAGINAW BAH above or below average?
O-2 BAH in SAGINAW is $862 below the national average of $2,608/mo with dependents.