O-3 BAH Rates in PHILADELPHIA, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in PHILADELPHIA, NJ is $3,015 per month with dependents and $2,871 per month without dependents. This rate is $156 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 PHILADELPHIA is approximately $11,080.48 with dependents or $10,936.48 without.
O-3 BAH: PHILADELPHIA vs National Average
| PHILADELPHIA | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $3,015 | $2,859 | +$156 |
| Without Dependents | $2,871 | $2,493 | +$378 |
O-3 Total Monthly Compensation in PHILADELPHIA
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in PHILADELPHIA:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $3,015 | $2,871 |
| BAS | $328.48 | $328.48 |
| Total | $11,080.48 | $10,936.48 |
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 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-2 — $2,976/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in PHILADELPHIA?
The 2026 O-3 BAH rate in PHILADELPHIA is $3,015/mo with dependents and $2,871/mo without dependents.
What is the total monthly pay for O-3 in PHILADELPHIA?
An O-3 with 6 years of service in PHILADELPHIA earns approximately $11,080.48/mo total compensation with dependents (base pay $7,737 + BAH $3,015 + BAS $328.48). Without dependents: $10,936.48/mo.
Is PHILADELPHIA BAH above or below average?
O-3 BAH in PHILADELPHIA is $156 above the national average of $2,859/mo with dependents.