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.

View all Minnesota BAH rates →