What is O-1 BAH at Sacramento in 2026?

$2,922 per month with dependents ($35,064 per year), effective 01 JAN 2026. Without dependents it is $2,292 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-1 BAH at Sacramento 2026 — $2,922 with dependents, $2,292 without

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

Sacramento, CA

O-1 · with dependents

$2,922/ month

$35,064 / year

At O-1, this is #61 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218

MHA CA034 · ZIPs 94203 94204 94205 94206 94209 94229 +152 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$3,746 / mo gross

Without dependents here$2,292 / mo

In government quarters, no dependents$50.10 / mo partial

Sacramento — full sheetTap a row

Grade	With 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

O-1 with dependents, nearest stations0 – $5,172 / month

San Francisco$5,172

Annapolis$2,970

Hartford$2,961

Fort G. G. Meade$2,952

Newport$2,925

Sacramento$2,922

JB McGuire-Dix-Lakehurst$2,904

County Cost Group 880$2,898

JB Elmendorf-Richardson$2,886

Ketchikan$2,880

Youngstown$1,218

Sacramento is #61 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 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

Promoting to O-2 here adds $54 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Sacramento to San Francisco at O-1 is worth $2,250 a month — about 42 promotions worth of housing allowance, at $54 per grade here.

Dependency status is worth 27% 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.

None of it is taxed. $2,922 a month of BAH takes more than $2,922 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-1 at Sacramento draws $2,922 per month with dependents in 2026, $2,292 without

What this rate means

Things the rate table doesn't tell you