O-3 BAH Rates in DULUTH, MN (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in DULUTH, MN is $2,370 per month with dependents and $2,232 per month without dependents. This rate is $489 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 DULUTH is approximately $10,435.48 with dependents or $10,297.48 without.
O-3 BAH: DULUTH vs National Average
| DULUTH | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,370 | $2,859 | $-489 |
| Without Dependents | $2,232 | $2,493 | $-261 |
O-3 Total Monthly Compensation in DULUTH
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in DULUTH:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $2,370 | $2,232 |
| BAS | $328.48 | $328.48 |
| Total | $10,435.48 | $10,297.48 |
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 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-2 — $2,331/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in DULUTH?
The 2026 O-3 BAH rate in DULUTH is $2,370/mo with dependents and $2,232/mo without dependents.
What is the total monthly pay for O-3 in DULUTH?
An O-3 with 6 years of service in DULUTH earns approximately $10,435.48/mo total compensation with dependents (base pay $7,737 + BAH $2,370 + BAS $328.48). Without dependents: $10,297.48/mo.
Is DULUTH BAH above or below average?
O-3 BAH in DULUTH is $489 below the national average of $2,859/mo with dependents.