O-3 BAH Rates in Long Island, NY (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Long Island, NY is $5,061 per month with dependents and $4,644 per month without dependents. This rate is $2,202 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 Long Island is approximately $13,126.48 with dependents or $12,709.48 without.
O-3 BAH: Long Island vs National Average
| Long Island | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $5,061 | $2,859 | +$2,202 |
| Without Dependents | $4,644 | $2,493 | +$2,151 |
O-3 Total Monthly Compensation in Long Island
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Long Island:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $5,061 | $4,644 |
| BAS | $328.48 | $328.48 |
| Total | $13,126.48 | $12,709.48 |
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 Long Island
- E-3 — $4,122/mo
- E-4 — $4,122/mo
- E-5 — $4,425/mo
- E-6 — $4,773/mo
- E-7 — $4,878/mo
- O-1 — $4,473/mo
- O-2 — $4,770/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Long Island?
The 2026 O-3 BAH rate in Long Island is $5,061/mo with dependents and $4,644/mo without dependents.
What is the total monthly pay for O-3 in Long Island?
An O-3 with 6 years of service in Long Island earns approximately $13,126.48/mo total compensation with dependents (base pay $7,737 + BAH $5,061 + BAS $328.48). Without dependents: $12,709.48/mo.
Is Long Island BAH above or below average?
O-3 BAH in Long Island is $2,202 above the national average of $2,859/mo with dependents.
O-3 BAH in Long Island, NY, in context
An O-3 with dependents in Long Island, NY draws $5,061/mo — 77% above the national average of $2,859 for this grade (9th of 299 MHAs). Without dependents the rate is $4,644/mo, a $417 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $441/mo (to $5,502), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.