O-1 BAH Rates in St. Louis, MO (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in St. Louis, MO is $2,472 per month with dependents and $2,094 per month without dependents. This rate is $137 above 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 St. Louis is approximately $7,120.48 with dependents or $6,742.48 without.
O-1 BAH: St. Louis vs National Average
| St. Louis | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,472 | $2,335 | +$137 |
| Without Dependents | $2,094 | $1,975 | +$119 |
O-1 Total Monthly Compensation in St. Louis
Here is how O-1 pay breaks down for a service member with 2 years of service stationed in St. Louis:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,320 | $4,320 |
| BAH | $2,472 | $2,094 |
| BAS | $328.48 | $328.48 |
| Total | $7,120.48 | $6,742.48 |
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 St. Louis
- E-3 — $2,268/mo
- E-4 — $2,268/mo
- E-5 — $2,436/mo
- E-6 — $2,655/mo
- E-7 — $2,691/mo
- O-2 — $2,652/mo
- O-3 — $2,760/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-1 in St. Louis?
The 2026 O-1 BAH rate in St. Louis is $2,472/mo with dependents and $2,094/mo without dependents.
What is the total monthly pay for O-1 in St. Louis?
An O-1 with 2 years of service in St. Louis earns approximately $7,120.48/mo total compensation with dependents (base pay $4,320 + BAH $2,472 + BAS $328.48). Without dependents: $6,742.48/mo.
Is St. Louis BAH above or below average?
O-1 BAH in St. Louis is $137 above the national average of $2,335/mo with dependents.
O-1 BAH in St. Louis, MO, in context
An O-1 with dependents in St. Louis, MO draws $2,472/mo — 5.9% above the national average of $2,335 for this grade (95th of 299 MHAs). Without dependents the rate is $2,094/mo, a $378 difference.
Promotion changes housing money here: pinning on O-2 raises BAH in this MHA by $180/mo (to $2,652), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.