O-3 BAH Rates in MEMPHIS, TN (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in MEMPHIS, TN is $2,352 per month with dependents and $2,253 per month without dependents. This rate is $507 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 MEMPHIS is approximately $10,417.48 with dependents or $10,318.48 without.
O-3 BAH: MEMPHIS vs National Average
| MEMPHIS | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,352 | $2,859 | $-507 |
| Without Dependents | $2,253 | $2,493 | $-240 |
O-3 Total Monthly Compensation in MEMPHIS
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in MEMPHIS:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $2,352 | $2,253 |
| BAS | $328.48 | $328.48 |
| Total | $10,417.48 | $10,318.48 |
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 MEMPHIS
- E-3 — $1,992/mo
- E-4 — $1,992/mo
- E-5 — $2,154/mo
- E-6 — $2,319/mo
- E-7 — $2,337/mo
- O-1 — $2,181/mo
- O-2 — $2,316/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in MEMPHIS?
The 2026 O-3 BAH rate in MEMPHIS is $2,352/mo with dependents and $2,253/mo without dependents.
What is the total monthly pay for O-3 in MEMPHIS?
An O-3 with 6 years of service in MEMPHIS earns approximately $10,417.48/mo total compensation with dependents (base pay $7,737 + BAH $2,352 + BAS $328.48). Without dependents: $10,318.48/mo.
Is MEMPHIS BAH above or below average?
O-3 BAH in MEMPHIS is $507 below the national average of $2,859/mo with dependents.