O-2 BAH Rates in Cincinnati, OH (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Cincinnati, OH is $2,523 per month with dependents and $2,202 per month without dependents. This rate is $85 below the national average for O-2.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in Cincinnati is approximately $9,335.98 with dependents or $9,014.98 without.

O-2 BAH: Cincinnati vs National Average

	Cincinnati	National Avg	Difference
With Dependents	$2,523	$2,608	−$85
Without Dependents	$2,202	$2,243	−$41

O-2 Total Monthly Compensation in Cincinnati

Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Cincinnati:

Component	With Dependents	Without Dependents
Base Pay	$6,484.5	$6,484.5
BAH	$2,523	$2,202
BAS	$328.48	$328.48
Total	$9,335.98	$9,014.98

Base pay shown for 4 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 Cincinnati

• E-3 — $2,031/mo
• E-4 — $2,031/mo
• E-5 — $2,283/mo
• E-6 — $2,526/mo
• E-7 — $2,553/mo
• O-1 — $2,322/mo
• O-3 — $2,604/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-2 in Cincinnati?

The 2026 O-2 BAH rate in Cincinnati is $2,523/mo with dependents and $2,202/mo without dependents.

What is the total monthly pay for O-2 in Cincinnati?

An O-2 with 4 years of service in Cincinnati earns approximately $9,335.98/mo total compensation with dependents (base pay $6,484.5 + BAH $2,523 + BAS $328.48). Without dependents: $9,014.98/mo.

Is Cincinnati BAH above or below average?

O-2 BAH in Cincinnati is $85 below the national average of $2,608/mo with dependents.

View all Ohio BAH rates →