Updated February 2026
O-3 Pay 2026 — Captain
Complete 2026 O-3 (Captain) base pay table by years of service, plus BAH rates and total compensation breakdown. All rates include the 3.8% pay raise effective January 1, 2026.
Entry Pay (0 YOS)
$5,534.10/mo
$66,409.20/year
Max Pay
$9,004.20/mo
$108,050.40/year
BAH Range (w/ Dependents)
$1,686–$6,633
Across 338 locations
Officer BAS
$328.48/mo
Tax-free food allowance
O-3 Base Pay Table — 2026
| Years of Service | Monthly Pay | Annual Pay |
|---|---|---|
| 2 or less | $5,534.10 | $66,409.20 |
| 2 | $6,273.90 | $75,286.80 |
| 3 | $6,770.40 | $81,244.80 |
| 4 | $7,382.70 | $88,592.40 |
| 6 | $7,737.00 | $92,844.00 |
| 8 | $8,125.50 | $97,506.00 |
| 10 | $8,375.70 | $100,508.40 |
| 12 | $8,788.20 | $105,458.40 |
| 14 | $9,004.20 | $108,050.40 |
All amounts reflect the 3.8% pay raise effective January 1, 2026. Source: DFAS.
O-3 BAH Rates — 2026 (With Dependents)
BAH for an O-3 with dependents ranges from $1,686 to $6,633 per month, with a national average of approximately $2,789/mo across 338 locations.
Top 5 Highest BAH Locations
- Westchester County, Ny$6,633/mo
- Maui County, Hi$5,571/mo
- San Francisco, Ca$5,556/mo
- New York City, Ny$5,529/mo
- Nantucket, Ma$5,442/mo
Top 5 Lowest BAH Locations
- Anniston/Fort Mcclellan, Al$1,686/mo
- Monroe, La$1,728/mo
- Stevens Point, Wi$1,746/mo
- Fort Sill/Lawton, Ok$1,758/mo
- Youngstown, Oh$1,767/mo
Total Compensation Example — O-3 at 6 Years
Base Pay (6 YOS)$7,737.00
BAH (National Average, w/ Dependents)$2,789
BAS (Officer)$328.48
Estimated Monthly Total$10,854.48
Estimated Annual Total$130,253.76
BAH and BAS are tax-free allowances. Actual total compensation varies by duty station and dependency status. Use the Military Pay Calculator for a personalized estimate.