What is O-6 BAH at Sacramento in 2026?

$3,552 per month with dependents ($42,624 per year), effective 01 JAN 2026. Without dependents it is $3,015 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-6 BAH at Sacramento 2026 — $3,552 with dependents, $3,015 without

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

Sacramento, CA

O-6 · with dependents

$3,552/ month

$42,624 / year

At O-6, this is #100 of 338 stations loaded · high Westchester County $8,136 · low Youngstown $1,839

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

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Untaxed — matching it with taxable pay takes$4,554 / mo gross

Without dependents here$3,015 / 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-6 with dependents, nearest stations0 – $8,136 / month

Westchester County$8,136

Detroit$3,582

Charlottesville$3,567

Dahlgren$3,564

Bridgeport$3,552

Sacramento$3,552

College Station$3,540

Fort Myers Beach$3,531

Beale AFB$3,522

Knoxville$3,519

Youngstown$1,839

Sacramento is #100 of 338. The spread between the dearest and cheapest station at this grade is $6,297 a month — $75,564 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-7 here adds $24 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 Westchester County at O-6 is worth $4,584 a month — about 191 promotions worth of housing allowance, at $24 per grade here.

Dependency status is worth 18% 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. $3,552 a month of BAH takes more than $3,552 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-6 at Sacramento draws $3,552 per month with dependents in 2026, $3,015 without

What this rate means

Things the rate table doesn't tell you