This guide provides helpful information about the Officer’s salary in the United States Navy during Fiscal Year 2025.
There are many online resources that provide the basic pay for Navy Officers, but those are not very useful for new Navy Officer applicants.
As a new Navy officer, you may be wondering how much you can expect to earn during your first four years of service obligation contract.
In this article, we’ll take a closer look at the different sources of income for new Navy officers and provide useful insight that includes calculations.
Understanding Military Pay and Benefits
First, it’s important to understand the different components of military pay and benefits. Military pay is made up of several components, including basic pay, allowances, and special pays. For the purposes of this article, we’ll be focusing on basic pay and allowances.
Basic Pay
Navy officer basic pay refers to the standard salary or compensation received by an individual serving as an officer in the United States Navy. It is the foundational level of payment provided to navy officers, based on their rank, years of service, and other relevant factors.
Basic pay is determined by rank and years of service. As a new officer, you’ll start at the rank of O-1 and receive automatic pay raises every one to two years.
So, pay raise for Naval officers is correlated to Navy officer promotion and years of service.
Allowances
Navy officer allowances refer to the financial benefits or compensation provided to officers serving in the navy. These allowances may include housing allowances, travel allowances, medical allowances, education allowances, and other additional payments that are given to navy officers in addition to their regular salary. These allowances are provided to support and enhance the well-being and financial stability of navy officers while they fulfill their duties and responsibilities.
The two most common allowances are Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS).
A newly commissioned Navy officer’s earnings during their first four years are primarily composed of Basic Pay, Basic Allowance for Housing (BAH), and Basic Allowance for Subsistence (BAS). These figures are subject to change based on annual adjustments and duty station locations.
Year 1 Earnings
- Rank and Service: O-1 with less than 2 years of service
- Basic Pay: $3,287.10 per month
- BAH: Varies by location; for example, in San Diego, CA, an O-1 without dependents receives $3,336 per month travel.dod.mil
- BAS: $256.68 per month
Year 2 Earnings
- Rank and Service: O-1 with over 2 years of service
- Basic Pay: $4,136.40 per month
- BAH: Remains at $3,336 per month in San Diego for an O-1 without dependents
- BAS: $256.68 per month
Year 3 Earnings
- Rank and Service: Promoted to O-2 with over 2 years of service
- Basic Pay: $4,893.40 per month
- BAH: Increases to $3,882 per month in San Diego for an O-2 without dependents travel.dod.mil
- BAS: $256.68 per month
Year 4 Earnings
- Rank and Service: O-2 with over 3 years of service
- Basic Pay: $5,055.30 per month
- BAH: Remains at $3,882 per month in San Diego for an O-2 without dependents
- BAS: $256.68 per month
Average Annual Earnings
To calculate the average annual total earnings over the first four years:
- Year 1: $3,287.10 (Basic Pay) + $3,336 (BAH) + $256.68 (BAS) = $6,879.78 per month; annually: $82,557.36
- Year 2: $4,136.40 (Basic Pay) + $3,336 (BAH) + $256.68 (BAS) = $7,729.08 per month; annually: $92,748.96
- Year 3: $4,893.40 (Basic Pay) + $3,882 (BAH) + $256.68 (BAS) = $9,032.08 per month; annually: $108,384.96
- Year 4: $5,055.30 (Basic Pay) + $3,882 (BAH) + $256.68 (BAS) = $9,194.98 per month; annually: $110,339.76
Total over four years: $393,031.04
Average annual earnings: $98,257.76
Notes:
- BAH rates are location-dependent and subject to annual adjustments. The figures provided are specific to San Diego, CA, and may differ in other locations.
- BAS rates are standardized for all officers and are subject to change annually.
- These calculations assume no dependents and do not account for potential additional pays such as hazardous duty pay or special duty allowances.
For the most accurate and personalized information, it’s advisable to consult the latest military pay charts and BAH rates or speak with a military pay representative.
Conclusion
In conclusion, as a new Navy officer, you can expect to earn a competitive salary during your first four years of service obligation contract. With automatic pay raises every one to two years and additional allowances for housing and food, a career as a Navy officer is both financially rewarding and fulfilling.
We hope this article has provided you with useful information about the earnings of new Navy officers. If you’re considering a career in the Navy, we encourage you to learn more about the competitive pay and benefits offered by this branch of the military.
I hope this article helps with your career planning.
