O-3 BAH Rates in SAGINAW, MI (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in SAGINAW, MI is $1,842 per month with dependents and $1,656 per month without dependents. This rate is $1,017 below 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 SAGINAW is approximately $9,907.48 with dependents or $9,721.48 without.
O-3 BAH: SAGINAW vs National Average
| SAGINAW | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $1,842 | $2,859 | $-1,017 |
| Without Dependents | $1,656 | $2,493 | $-837 |
O-3 Total Monthly Compensation in SAGINAW
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in SAGINAW:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $1,842 | $1,656 |
| BAS | $328.48 | $328.48 |
| Total | $9,907.48 | $9,721.48 |
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 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-2 — $1,746/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in SAGINAW?
The 2026 O-3 BAH rate in SAGINAW is $1,842/mo with dependents and $1,656/mo without dependents.
What is the total monthly pay for O-3 in SAGINAW?
An O-3 with 6 years of service in SAGINAW earns approximately $9,907.48/mo total compensation with dependents (base pay $7,737 + BAH $1,842 + BAS $328.48). Without dependents: $9,721.48/mo.
Is SAGINAW BAH above or below average?
O-3 BAH in SAGINAW is $1,017 below the national average of $2,859/mo with dependents.