O-2 BAH Rates in Duluth, MN (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Duluth, MN is $2,331 per month with dependents and $2,019 per month without dependents. This rate is $277 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 Duluth is approximately $9,143.98 with dependents or $8,831.98 without.

O-2 BAH: Duluth vs National Average

	Duluth	National Avg	Difference
With Dependents	$2,331	$2,608	−$277
Without Dependents	$2,019	$2,243	−$224

O-2 Total Monthly Compensation in Duluth

Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Duluth:

Component	With Dependents	Without Dependents
Base Pay	$6,484.5	$6,484.5
BAH	$2,331	$2,019
BAS	$328.48	$328.48
Total	$9,143.98	$8,831.98

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 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-1 — $2,106/mo
• O-3 — $2,370/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-2 in Duluth?

The 2026 O-2 BAH rate in Duluth is $2,331/mo with dependents and $2,019/mo without dependents.

What is the total monthly pay for O-2 in Duluth?

An O-2 with 4 years of service in Duluth earns approximately $9,143.98/mo total compensation with dependents (base pay $6,484.5 + BAH $2,331 + BAS $328.48). Without dependents: $8,831.98/mo.

Is Duluth BAH above or below average?

O-2 BAH in Duluth is $277 below the national average of $2,608/mo with dependents.

View all Minnesota BAH rates →