What is O-2 BAH at Sacramento in 2026?

$2,805 per month without dependents ($33,660 per year), effective 01 JAN 2026. with dependents it is $2,976 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-2 BAH at Sacramento 2026 — $2,805/mo without dependents

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

Sacramento, CA

O-2 · without dependents

$2,805/ month

$33,660 / year

At O-2, this is #58 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176

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

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$3,596 / mo gross

Other dependency status here$2,976 with dependents

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-2 without dependents, nearest stations0 – $5,091 / month

New York City$5,091

Willow Grove$2,871

Santa Fe$2,856

Fort G. G. Meade$2,850

Hartford$2,823

Sacramento$2,805

Newport$2,796

JB McGuire-Dix-Lakehurst$2,793

County Cost Group 880$2,790

Denver$2,748

Youngstown$1,176

Sacramento is #58 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

Every pay grade at Sacramento0 – $3,069 / month

E-1$2,016

E-2$2,016

E-3$2,016

E-4$2,016

E-5$2,190

E-6$2,325

E-7$2,610

E-8$2,925

E-9$2,934

W-1$2,499

W-2$2,922

W-3$2,940

W-4$2,973

W-5$3,000

O-1E$2,901

O-2E$2,931

O-3E$2,964

O-1$2,292

O-2$2,805

O-3$2,943

O-4$2,988

O-5$3,003

O-6$3,015

O-7$3,069

Promoting to O-3 here adds $138 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 New York City at O-2 is worth $2,286 a month — about 17 promotions worth of housing allowance, at $138 per grade here.

Dependency status is worth 6% 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. $2,805 a month of BAH takes more than $2,805 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-2 without dependents at Sacramento draws $2,805 per month in 2026

What this rate means

Things the rate table doesn't tell you