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.

View all Michigan BAH rates →