O-3 without dependents at San Antonio (JBSA) draws $2,007 per month in 2026
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San Antonio, TX
O-3 · without dependents
$2,007/ month
$24,084 / year
At O-3, this is #10 of 17 stations loaded · high San Diego $4,248 · low Fort Riley $1,611
MHA code pending — loads with the DTMO ZIP file
Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
Untaxed — matching it with taxable pay takes$2,573 / mo gross
Other dependency status here$2,127 with dependents
In government quarters, no dependents$50.10 / mo partial
MHA
Most JBSA grades went DOWN for 2026 — see the rate-protection flag below.
RATE PROTECTION
Already stationed here? You don't take this cut. BAH rate protection holds you at your prior year's amount as long as your duty location, grade and dependency status stay the same. The lower 2026 number applies to members arriving on new orders, and to you if you promote, change dependency status, or PCS.
O-3 without dependents, every station0 – $4,248 / month
San Diego$4,248
Camp Pendleton$4,239
Honolulu County$3,819
JB Lewis-McChord$2,784
JB Elmendorf-Richardson$2,643
Norfolk$2,505
Fort Carson$2,397
Fort Stewart$2,385
Fort Bliss$2,022
San Antonio (JBSA)$2,007
Fort Campbell$1,995
Fort Bragg$1,956
Fort Drum$1,902
Fort Benning$1,878
Fort Hood$1,833
Camp Lejeune$1,809
Fort Riley$1,611
San Antonio (JBSA) is #10 of 17. The spread between
the dearest and cheapest station at this grade is $2,637 a month —
$31,644 a year, untaxed.
Every pay grade at San Antonio (JBSA)0 – $2,112 / month
E-1$1,359
E-2$1,359
E-3$1,359
E-4$1,359
E-5$1,500
E-6$1,596
E-7$1,731
E-8$1,920
E-9$1,977
W-1$1,692
W-2$1,917
W-3$1,986
W-4$2,085
W-5$2,097
O-1E$1,866
O-2E$1,965
O-3E$2,082
O-1$1,584
O-2$1,827
O-3$2,007
O-4$2,088
O-5$2,100
O-6$2,103
O-7$2,112
Promoting to O-4 here adds $81 a
month. The pay chart moves this allowance far less than the map does.
01
Where you are stationed outweighs what you are paid. Moving from San Antonio (JBSA) to San Diego at O-3 is worth $2,241 a month — about 28 promotions worth of housing allowance, at $81 per grade here.
02
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.
03
None of it is taxed. $2,007 a month of BAH takes more than $2,007 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.
Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.
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.