O-3 BAH Rates in Westchester County, NY (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Westchester County, NY is $6,633 per month with dependents and $5,169 per month without dependents. This rate is $3,774 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 Westchester County is approximately $14,698.48 with dependents or $13,234.48 without.
O-3 BAH: Westchester County vs National Average
| Westchester County | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $6,633 | $2,859 | +$3,774 |
| Without Dependents | $5,169 | $2,493 | +$2,676 |
O-3 Total Monthly Compensation in Westchester County
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Westchester County:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $6,633 | $5,169 |
| BAS | $328.48 | $328.48 |
| Total | $14,698.48 | $13,234.48 |
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 Westchester County
- E-3 — $4,182/mo
- E-4 — $4,182/mo
- E-5 — $4,479/mo
- E-6 — $5,367/mo
- E-7 — $5,832/mo
- O-1 — $4,587/mo
- O-2 — $5,355/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Westchester County?
The 2026 O-3 BAH rate in Westchester County is $6,633/mo with dependents and $5,169/mo without dependents.
What is the total monthly pay for O-3 in Westchester County?
An O-3 with 6 years of service in Westchester County earns approximately $14,698.48/mo total compensation with dependents (base pay $7,737 + BAH $6,633 + BAS $328.48). Without dependents: $13,234.48/mo.
Is Westchester County BAH above or below average?
O-3 BAH in Westchester County is $3,774 above the national average of $2,859/mo with dependents.
O-3 BAH in Westchester County, NY, in context
An O-3 with dependents in Westchester County, NY draws $6,633/mo — 132% above the national average of $2,859 for this grade (1st of 299 MHAs). Without dependents the rate is $5,169/mo, a $1,464 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $837/mo (to $7,470), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.