O-3 Basic Pay (2026)
This page shows 2026 military basic pay for the commissioned officer paygrade O-3. Basic pay for O-3 increases with years of service; at the Over 6 years-of-service level, a O-3 earns $7,737.00 per month, or $92,844 per year.
| Years of service | Monthly | Annual |
|---|---|---|
| 2 or less | $5,534.10 | $66,409 |
| Over 2 | $6,273.90 | $75,287 |
| Over 3 | $6,770.40 | $81,245 |
| Over 4 | $7,382.70 | $88,592 |
| Over 6 | $7,737.00 | $92,844 |
| Over 8 | $8,125.50 | $97,506 |
| Over 10 | $8,375.70 | $100,508 |
| Over 12 | $8,788.20 | $105,458 |
| Over 14 | $9,004.20 | $108,050 |
| Over 16 | $9,004.20 | $108,050 |
| Over 18 | $9,004.20 | $108,050 |
| Over 20 | $9,004.20 | $108,050 |
| Over 22 | $9,004.20 | $108,050 |
| Over 24 | $9,004.20 | $108,050 |
| Over 26 | $9,004.20 | $108,050 |
| Over 28 | $9,004.20 | $108,050 |
| Over 30 | $9,004.20 | $108,050 |
| Over 32 | $9,004.20 | $108,050 |
| Over 34 | $9,004.20 | $108,050 |
| Over 38 | $9,004.20 | $108,050 |
| Over 40 | $9,004.20 | $108,050 |
Add BAH & BAS to O-3 basic pay
| Basic pay | $7,737.00 |
| BAS (officer) | $328.48 |
| BAH (your area) | — |
| Total monthly cash | $8,065.48 |
| Annual (× 12) | $96,786 |
Basic pay, BAS and BAH are exact 2026 DFAS/DoD figures — pick your housing area to pull the official BAH rate, or type an amount directly. BAH and BAS are tax-free; this shows gross cash, not take-home.
Related paygrades
Frequently asked questions
What is the difference between basic pay and total pay for O-3?
Basic pay is the O-3 figure shown here; total compensation also includes housing (BAH) and subsistence (BAS) allowances, which are tax-free and added on top.
How do years of service affect O-3 pay?
For 2026, O-3 basic pay rises at set years-of-service milestones, so at the Over 6 level a O-3 earns $7,737.00 per month, or $92,844 per year.
Did O-3 pay change for 2026?
Yes. O-3 basic pay was updated for 2026 under the annual across-the-board raise, and at the Over 6 level it is $7,737.00 per month.
Is O-3 basic pay before or after tax?
The O-3 figures are gross basic pay for 2026, before tax or withholding, and allowances such as BAH and BAS are separate and tax-free.
Source: DFAS DFAS 2026 Basic Pay Table · effective January 1, 2026. Rates current as of July 20, 2026. Reference figures for general information — official pay is set by your agency, DFAS or OPM. See methodology.