O-3 BAH Rates in New York City, NY (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in New York City, NY is $5,529 per month with dependents and $5,112 per month without dependents. This rate is $2,670 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 New York City is approximately $13,594.48 with dependents or $13,177.48 without.

O-3 BAH: New York City vs National Average

	New York City	National Avg	Difference
With Dependents	$5,529	$2,859	+$2,670
Without Dependents	$5,112	$2,493	+$2,619

O-3 Total Monthly Compensation in New York City

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

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$5,529	$5,112
BAS	$328.48	$328.48
Total	$13,594.48	$13,177.48

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 New York City

• E-3 — $5,067/mo
• E-4 — $5,067/mo
• E-5 — $5,070/mo
• E-6 — $5,097/mo
• E-7 — $5,238/mo
• O-1 — $5,073/mo
• O-2 — $5,094/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-3 in New York City?

The 2026 O-3 BAH rate in New York City is $5,529/mo with dependents and $5,112/mo without dependents.

What is the total monthly pay for O-3 in New York City?

An O-3 with 6 years of service in New York City earns approximately $13,594.48/mo total compensation with dependents (base pay $7,737 + BAH $5,529 + BAS $328.48). Without dependents: $13,177.48/mo.

Is New York City BAH above or below average?

O-3 BAH in New York City is $2,670 above the national average of $2,859/mo with dependents.

View all New York BAH rates →