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 $2,904 Without $2,190

E-5 at Sacramento draws $2,904 per month with dependents in 2026, $2,190 without

Permalink bahratedesk.com/sacramento-ca/ Excel CSV
Sacramento, CA
E-5 · with dependents
$2,904/ month
$34,848 / year
At E-5, this is #58 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA CA034 · ZIPs 94203 94204 94205 94206 94209 94229 +152 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $3,723 / mo gross
Without dependents here $2,190 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Sacramento · E-5 · $2,904/mo
Sacramento $2,904/mo · $34,848/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.

Sacramento — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,598 $2,016
E-2 $2,598 $2,016
E-3 $2,598 $2,016
E-4 $2,598 $2,016
E-5 $2,904 $2,190
E-6 $2,979 $2,325
E-7 $2,997 $2,610
E-8 $3,021 $2,925
E-9 $3,114 $2,934
Warrant officer
W-1 $2,994 $2,499
W-2 $3,006 $2,922
W-3 $3,042 $2,940
W-4 $3,144 $2,973
W-5 $3,276 $3,000
Officer — prior enlisted
O-1E $3,000 $2,901
O-2E $3,033 $2,931
O-3E $3,165 $2,964
Officer
O-1 $2,922 $2,292
O-2 $2,976 $2,805
O-3 $3,039 $2,943
O-4 $3,318 $2,988
O-5 $3,525 $3,003
O-6 $3,552 $3,015
O-7 $3,576 $3,069

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Burlington $3,120
Fitchburg $3,093
New Haven $3,069
Warrenton $3,066
Beale AFB $2,967
Santa Fe $2,964
Quantico $2,955
Willow Grove $2,934
Annapolis $2,928
Worcester $2,919
Sacramento $2,904
Fort G. G. Meade $2,901
Hartford $2,901
JB Elmendorf-Richardson $2,874
Ketchikan $2,868
Kodiak Island $2,865
County Cost Group 880 $2,850
Newport $2,847
Denver $2,841
JB McGuire-Dix-Lakehurst $2,823
Boulder $2,754
Anniston $1,185

Sacramento is #58 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 Sacramento0 – $3,576 / month
E-1 $2,598
E-2 $2,598
E-3 $2,598
E-4 $2,598
E-5 $2,904
E-6 $2,979
E-7 $2,997
E-8 $3,021
E-9 $3,114
W-1 $2,994
W-2 $3,006
W-3 $3,042
W-4 $3,144
W-5 $3,276
O-1E $3,000
O-2E $3,033
O-3E $3,165
O-1 $2,922
O-2 $2,976
O-3 $3,039
O-4 $3,318
O-5 $3,525
O-6 $3,552
O-7 $3,576

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

Moving from Sacramento to San Francisco at E-5 is worth $2,223 a month — about 30 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.