O-3 BAH Rates in Buffalo, NY (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Buffalo, NY is $2,772 per month with dependents and $2,427 per month without dependents. This rate is $87 below 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 Buffalo is approximately $10,837.48 with dependents or $10,492.48 without.

O-3 BAH: Buffalo vs National Average

	Buffalo	National Avg	Difference
With Dependents	$2,772	$2,859	−$87
Without Dependents	$2,427	$2,493	−$66

O-3 Total Monthly Compensation in Buffalo

Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Buffalo:

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$2,772	$2,427
BAS	$328.48	$328.48
Total	$10,837.48	$10,492.48

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 Buffalo

• E-3 — $2,055/mo
• E-4 — $2,055/mo
• E-5 — $2,214/mo
• E-6 — $2,553/mo
• E-7 — $2,631/mo
• O-1 — $2,262/mo
• O-2 — $2,550/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-3 in Buffalo?

The 2026 O-3 BAH rate in Buffalo is $2,772/mo with dependents and $2,427/mo without dependents.

What is the total monthly pay for O-3 in Buffalo?

An O-3 with 6 years of service in Buffalo earns approximately $10,837.48/mo total compensation with dependents (base pay $7,737 + BAH $2,772 + BAS $328.48). Without dependents: $10,492.48/mo.

Is Buffalo BAH above or below average?

O-3 BAH in Buffalo is $87 below the national average of $2,859/mo with dependents.

View all New York BAH rates →