O-3 BAH Rates in Sparta/Fort McCoy, WI (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Sparta/Fort McCoy, WI is $1,923 per month with dependents and $1,680 per month without dependents. This rate is $936 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 Sparta/Fort McCoy is approximately $9,988.48 with dependents or $9,745.48 without.

O-3 BAH: Sparta/Fort McCoy vs National Average

	Sparta/Fort McCoy	National Avg	Difference
With Dependents	$1,923	$2,859	−$936
Without Dependents	$1,680	$2,493	−$813

O-3 Total Monthly Compensation in Sparta/Fort McCoy

Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Sparta/Fort McCoy:

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$1,923	$1,680
BAS	$328.48	$328.48
Total	$9,988.48	$9,745.48

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 Sparta/Fort McCoy

• E-3 — $1,380/mo
• E-4 — $1,380/mo
• E-5 — $1,395/mo
• E-6 — $1,845/mo
• E-7 — $1,875/mo
• O-1 — $1,455/mo
• O-2 — $1,842/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-3 in Sparta/Fort McCoy?

The 2026 O-3 BAH rate in Sparta/Fort McCoy is $1,923/mo with dependents and $1,680/mo without dependents.

What is the total monthly pay for O-3 in Sparta/Fort McCoy?

An O-3 with 6 years of service in Sparta/Fort McCoy earns approximately $9,988.48/mo total compensation with dependents (base pay $7,737 + BAH $1,923 + BAS $328.48). Without dependents: $9,745.48/mo.

Is Sparta/Fort McCoy BAH above or below average?

O-3 BAH in Sparta/Fort McCoy is $936 below the national average of $2,859/mo with dependents.

View all Wisconsin BAH rates →