Updated February 2026
O-3E Pay 2026 — Prior Enlisted Officer
Complete 2026 O-3E (Prior Enlisted Officer) 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)
$6,770.40/mo
$81,244.80/year
Max Pay
$9,004.20/mo
$108,050.40/year
BAH Range (w/ Dependents)
$1,788–$7,023
Across 338 locations
Officer BAS
$328.48/mo
Tax-free food allowance
O-3E Base Pay Table — 2026
| Years of Service | Monthly Pay | Annual Pay |
|---|---|---|
| 2 or less | $6,770.40 | $81,244.80 |
| 2 | $7,072.50 | $84,870.00 |
| 3 | $7,382.70 | $88,592.40 |
| 4 | $7,539.30 | $90,471.60 |
| 6 | $7,937.10 | $95,245.20 |
| 8 | $8,125.50 | $97,506.00 |
| 10 | $8,375.70 | $100,508.40 |
| 12 | $8,569.50 | $102,834.00 |
| 14 | $8,788.20 | $105,458.40 |
| 16 | $9,004.20 | $108,050.40 |
All amounts reflect the 3.8% pay raise effective January 1, 2026. Source: DFAS.
O-3E BAH Rates — 2026 (With Dependents)
BAH for an O-3E with dependents ranges from $1,788 to $7,023 per month, with a national average of approximately $2,928/mo across 338 locations.
Top 5 Highest BAH Locations
- Westchester County, Ny$7,023/mo
- San Francisco, Ca$5,955/mo
- New York City, Ny$5,949/mo
- Nantucket, Ma$5,832/mo
- Maui County, Hi$5,793/mo
Top 5 Lowest BAH Locations
- Youngstown, Oh$1,788/mo
- Stevens Point, Wi$1,791/mo
- Anniston/Fort Mcclellan, Al$1,800/mo
- Monroe, La$1,812/mo
- Saginaw, Mi$1,887/mo
Total Compensation Example — O-3E at 8 Years
Base Pay (8 YOS)$8,125.50
BAH (National Average, w/ Dependents)$2,928
BAS (Officer)$328.48
Estimated Monthly Total$11,381.98
Estimated Annual Total$136,583.76
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.