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 $3,759 Without $3,000

E-5 at Oakland draws $3,759 per month with dependents in 2026, $3,000 without

Permalink bahratedesk.com/oakland-ca/ Excel CSV
Oakland, CA
E-5 · with dependents
$3,759/ month
$45,108 / year
At E-5, this is #18 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA CA018 · ZIPs 94501 94502 94505 94506 94507 94509 +115 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $4,819 / mo gross
Without dependents here $3,000 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Oakland · E-5 · $3,759/mo
Oakland $3,759/mo · $45,108/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.

Oakland — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $3,471 $2,667
E-2 $3,471 $2,667
E-3 $3,471 $2,667
E-4 $3,471 $2,667
E-5 $3,759 $3,000
E-6 $4,113 $3,213
E-7 $4,203 $3,483
E-8 $4,299 $3,834
E-9 $4,488 $3,933
Warrant officer
W-1 $4,134 $3,378
W-2 $4,242 $3,831
W-3 $4,365 $3,948
W-4 $4,533 $4,131
W-5 $4,740 $4,224
Officer — prior enlisted
O-1E $4,218 $3,756
O-2E $4,344 $3,912
O-3E $4,566 $4,107
Officer
O-1 $3,807 $3,180
O-2 $4,110 $3,666
O-3 $4,362 $3,981
O-4 $4,809 $4,203
O-5 $5,133 $4,254
O-6 $5,178 $4,341
O-7 $5,220 $4,419

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Nantucket $4,344
Maui County $4,329
Hanscom AFB $4,188
Martha's Vineyard $3,984
San Diego $3,975
Florida Keys $3,969
Camp Pendleton $3,963
Cape Cod-Plymouth $3,924
Los Angeles $3,882
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
Anniston $1,185

Oakland is #18 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 Oakland0 – $5,220 / month
E-1 $3,471
E-2 $3,471
E-3 $3,471
E-4 $3,471
E-5 $3,759
E-6 $4,113
E-7 $4,203
E-8 $4,299
E-9 $4,488
W-1 $4,134
W-2 $4,242
W-3 $4,365
W-4 $4,533
W-5 $4,740
O-1E $4,218
O-2E $4,344
O-3E $4,566
O-1 $3,807
O-2 $4,110
O-3 $4,362
O-4 $4,809
O-5 $5,133
O-6 $5,178
O-7 $5,220

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

Moving from Oakland to San Francisco at E-5 is worth $1,368 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.