O-2 BAH Rates in Philadelphia, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Philadelphia, NJ is $2,976 per month with dependents and $2,613 per month without dependents. This rate is $368 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 Philadelphia is approximately $9,788.98 with dependents or $9,425.98 without.
O-2 BAH: Philadelphia vs National Average
| Philadelphia | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,976 | $2,608 | +$368 |
| Without Dependents | $2,613 | $2,243 | +$370 |
O-2 Total Monthly Compensation in Philadelphia
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Philadelphia:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $2,976 | $2,613 |
| BAS | $328.48 | $328.48 |
| Total | $9,788.98 | $9,425.98 |
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 Philadelphia
- E-3 — $2,448/mo
- E-4 — $2,448/mo
- E-5 — $2,691/mo
- E-6 — $2,979/mo
- E-7 — $3,000/mo
- O-1 — $2,733/mo
- O-3 — $3,015/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in Philadelphia?
The 2026 O-2 BAH rate in Philadelphia is $2,976/mo with dependents and $2,613/mo without dependents.
What is the total monthly pay for O-2 in Philadelphia?
An O-2 with 4 years of service in Philadelphia earns approximately $9,788.98/mo total compensation with dependents (base pay $6,484.5 + BAH $2,976 + BAS $328.48). Without dependents: $9,425.98/mo.
Is Philadelphia BAH above or below average?
O-2 BAH in Philadelphia is $368 above the national average of $2,608/mo with dependents.
O-2 BAH in Philadelphia, Pa/Camden, NJ, in context
An O-2 with dependents in Philadelphia, Pa/Camden, NJ draws $2,976/mo — 14.1% above the national average of $2,608 for this grade (72nd of 299 MHAs). Without dependents the rate is $2,613/mo, a $363 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $39/mo (to $3,015), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.