BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA

Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.

Or type your rank

Press Enter to look it up.

Enlisted
E-1E-2E-3E-4E-5E-6E-7E-8E-9
Warrant
W-1W-2W-3W-4W-5
Prior enl.
O-1EO-2EO-3E
Officer
O-1O-2O-3O-4O-5O-6O-7
Dependents
With $3,465 Without $2,844

E-5 at Monterey draws $3,465 per month with dependents in 2026, $2,844 without

Permalink bahratedesk.com/monterey-ca/ Excel CSV
Monterey, CA
E-5 · with dependents
$3,465/ month
$41,580 / year
At E-5, this is #27 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA CA039 · ZIPs 93901 93902 93905 93906 93907 93908 +48 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $4,442 / mo gross
Without dependents here $2,844 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Monterey · E-5 · $3,465/mo
Monterey $3,465/mo · $41,580/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Monterey — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $3,249 $2,493
E-2 $3,249 $2,493
E-3 $3,249 $2,493
E-4 $3,249 $2,493
E-5 $3,465 $2,844
E-6 $3,867 $3,054
E-7 $4,218 $3,258
E-8 $4,599 $3,549
E-9 $4,956 $3,717
Warrant officer
W-1 $3,894 $3,183
W-2 $4,374 $3,546
W-3 $4,842 $3,720
W-4 $5,001 $3,951
W-5 $5,196 $4,305
Officer — prior enlisted
O-1E $4,293 $3,462
O-2E $4,773 $3,639
O-3E $5,031 $3,861
Officer
O-1 $3,519 $3,030
O-2 $3,864 $3,396
O-3 $4,824 $3,723
O-4 $5,259 $4,245
O-5 $5,565 $4,464
O-6 $5,613 $4,821
O-7 $5,658 $4,908

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Kauai County $3,798
Oakland $3,759
Staten Island $3,735
Honolulu County $3,663
Miami $3,660
Hawaii County $3,594
Fort Monmouth $3,549
Ventura $3,537
Essex CO $3,477
West Point $3,468
Monterey $3,465
Trenton $3,465
Chicago $3,438
West Palm Beach $3,423
Perth Amboy $3,393
Vallejo $3,369
Juneau $3,354
Riverside $3,351
Vandenberg SFB $3,333
Portsmouth $3,321
Marin $3,303
Anniston $1,185

Monterey is #27 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Monterey0 – $5,658 / month
E-1 $3,249
E-2 $3,249
E-3 $3,249
E-4 $3,249
E-5 $3,465
E-6 $3,867
E-7 $4,218
E-8 $4,599
E-9 $4,956
W-1 $3,894
W-2 $4,374
W-3 $4,842
W-4 $5,001
W-5 $5,196
O-1E $4,293
O-2E $4,773
O-3E $5,031
O-1 $3,519
O-2 $3,864
O-3 $4,824
O-4 $5,259
O-5 $5,565
O-6 $5,613
O-7 $5,658

The pay chart moves this allowance far less than the map does.

Moving from Monterey to San Francisco at E-5 is worth $1,662 a month — about 4 promotions at this grade. Where you are stationed outweighs rank, by a lot.

Things the rate table doesn't tell you

01

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

02

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

03

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.