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.

View all Michigan BAH rates →