O-2 BAH Rates in St. Louis, MO (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in St. Louis, MO is $2,652 per month with dependents and $2,385 per month without dependents. This rate is $44 above 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 St. Louis is approximately $9,464.98 with dependents or $9,197.98 without.
O-2 BAH: St. Louis vs National Average
| St. Louis | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,652 | $2,608 | +$44 |
| Without Dependents | $2,385 | $2,243 | +$142 |
O-2 Total Monthly Compensation in St. Louis
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in St. Louis:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $2,652 | $2,385 |
| BAS | $328.48 | $328.48 |
| Total | $9,464.98 | $9,197.98 |
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 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-1 — $2,472/mo
- O-3 — $2,760/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in St. Louis?
The 2026 O-2 BAH rate in St. Louis is $2,652/mo with dependents and $2,385/mo without dependents.
What is the total monthly pay for O-2 in St. Louis?
An O-2 with 4 years of service in St. Louis earns approximately $9,464.98/mo total compensation with dependents (base pay $6,484.5 + BAH $2,652 + BAS $328.48). Without dependents: $9,197.98/mo.
Is St. Louis BAH above or below average?
O-2 BAH in St. Louis is $44 above the national average of $2,608/mo with dependents.
O-2 BAH in St. Louis, MO, in context
An O-2 with dependents in St. Louis, MO draws $2,652/mo — 1.7% above the national average of $2,608 for this grade (112th of 299 MHAs). Without dependents the rate is $2,385/mo, a $267 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $108/mo (to $2,760), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.