O-3 BAH Rates in Stevens Point, WI (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Stevens Point, WI is $1,746 per month with dependents and $1,572 per month without dependents. This rate is $1,113 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 Stevens Point is approximately $9,811.48 with dependents or $9,637.48 without.
O-3 BAH: Stevens Point vs National Average
| Stevens Point | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $1,746 | $2,859 | −$1,113 |
| Without Dependents | $1,572 | $2,493 | −$921 |
O-3 Total Monthly Compensation in Stevens Point
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Stevens Point:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $1,746 | $1,572 |
| BAS | $328.48 | $328.48 |
| Total | $9,811.48 | $9,637.48 |
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 Stevens Point
- E-3 — $1,287/mo
- E-4 — $1,287/mo
- E-5 — $1,338/mo
- E-6 — $1,707/mo
- E-7 — $1,731/mo
- O-1 — $1,389/mo
- O-2 — $1,704/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Stevens Point?
The 2026 O-3 BAH rate in Stevens Point is $1,746/mo with dependents and $1,572/mo without dependents.
What is the total monthly pay for O-3 in Stevens Point?
An O-3 with 6 years of service in Stevens Point earns approximately $9,811.48/mo total compensation with dependents (base pay $7,737 + BAH $1,746 + BAS $328.48). Without dependents: $9,637.48/mo.
Is Stevens Point BAH above or below average?
O-3 BAH in Stevens Point is $1,113 below the national average of $2,859/mo with dependents.
O-3 BAH in Stevens Point, WI, in context
An O-3 with dependents in Stevens Point, WI draws $1,746/mo — 38.9% below the national average of $2,859 for this grade (297th of 299 MHAs). Without dependents the rate is $1,572/mo, a $174 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $132/mo (to $1,878), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.