O-3 BAH Rates in Minneapolis/St Paul, MN (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Minneapolis/St Paul, MN is $2,910 per month with dependents and $2,688 per month without dependents. This rate is $51 above 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 Minneapolis/St Paul is approximately $10,975.48 with dependents or $10,753.48 without.
O-3 BAH: Minneapolis/St Paul vs National Average
| Minneapolis/St Paul | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,910 | $2,859 | +$51 |
| Without Dependents | $2,688 | $2,493 | +$195 |
O-3 Total Monthly Compensation in Minneapolis/St Paul
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Minneapolis/St Paul:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $2,910 | $2,688 |
| BAS | $328.48 | $328.48 |
| Total | $10,975.48 | $10,753.48 |
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 Minneapolis/St Paul
- E-3 — $2,250/mo
- E-4 — $2,250/mo
- E-5 — $2,541/mo
- E-6 — $2,781/mo
- E-7 — $2,826/mo
- O-1 — $2,577/mo
- O-2 — $2,778/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Minneapolis/St Paul?
The 2026 O-3 BAH rate in Minneapolis/St Paul is $2,910/mo with dependents and $2,688/mo without dependents.
What is the total monthly pay for O-3 in Minneapolis/St Paul?
An O-3 with 6 years of service in Minneapolis/St Paul earns approximately $10,975.48/mo total compensation with dependents (base pay $7,737 + BAH $2,910 + BAS $328.48). Without dependents: $10,753.48/mo.
Is Minneapolis/St Paul BAH above or below average?
O-3 BAH in Minneapolis/St Paul is $51 above the national average of $2,859/mo with dependents.
O-3 BAH in Minneapolis/St Paul, MN, in context
An O-3 with dependents in Minneapolis/St Paul, MN draws $2,910/mo — 1.8% above the national average of $2,859 for this grade (105th of 299 MHAs). Without dependents the rate is $2,688/mo, a $222 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $273/mo (to $3,183), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.