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.

View all Tennessee BAH rates →