O-1 BAH Rates in Duluth, MN (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in Duluth, MN is $2,106 per month with dependents and $1,767 per month without dependents. This rate is $229 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 Duluth is approximately $6,754.48 with dependents or $6,415.48 without.

O-1 BAH: Duluth vs National Average

	Duluth	National Avg	Difference
With Dependents	$2,106	$2,335	−$229
Without Dependents	$1,767	$1,975	−$208

O-1 Total Monthly Compensation in Duluth

Here is how O-1 pay breaks down for a service member with 2 years of service stationed in Duluth:

Component	With Dependents	Without Dependents
Base Pay	$4,320	$4,320
BAH	$2,106	$1,767
BAS	$328.48	$328.48
Total	$6,754.48	$6,415.48

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 Duluth

• E-3 — $1,917/mo
• E-4 — $1,917/mo
• E-5 — $2,064/mo
• E-6 — $2,334/mo
• E-7 — $2,355/mo
• O-2 — $2,331/mo
• O-3 — $2,370/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-1 in Duluth?

The 2026 O-1 BAH rate in Duluth is $2,106/mo with dependents and $1,767/mo without dependents.

What is the total monthly pay for O-1 in Duluth?

An O-1 with 2 years of service in Duluth earns approximately $6,754.48/mo total compensation with dependents (base pay $4,320 + BAH $2,106 + BAS $328.48). Without dependents: $6,415.48/mo.

Is Duluth BAH above or below average?

O-1 BAH in Duluth is $229 below the national average of $2,335/mo with dependents.

View all Minnesota BAH rates →