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
    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
    WithWithout

    O-1 with dependents at Monterey draws $3,519 per month in 2026

    Permalinkbahratedesk.com/monterey-ca/o-1/with/ExcelCSVDownloads cover this station.
    Monterey, CA
    O-1 · with dependents
    $3,519/ month
    $42,228 / year
    At O-1, this is #27 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA CA039 · ZIPs 93901 93902 93905 93906 93907 93908 +48 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$4,512 / mo gross
    Other dependency status here$3,030 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Monterey — full sheetTap 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
    PCS compareMonterey · O-1 · $3,519/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▼ CUT−$1,002−$12,024/yr · like −$15,415 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    Fort Monmouth$3,618
    Ventura$3,600
    West Point$3,549
    Trenton$3,531
    Monterey$3,519
    Essex CO$3,516
    Chicago$3,477
    Perth Amboy$3,477
    West Palm Beach$3,453
    Youngstown$1,218

    Monterey is #27 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 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

    Promoting to O-2 here adds $345 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Monterey to San Francisco at O-1 is worth $1,653 a month — about 5 promotions worth of housing allowance, at $345 per grade here.

    02

    Dependency status is worth 16% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $3,519 a month of BAH takes more than $3,519 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    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.