O-3E with dependents at San Antonio (JBSA) draws $2,196 per month in 2026
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San Antonio, TX
O-3E · with dependents
$2,196/ month
$26,352 / year
At O-3E, this is #15 of 17 stations loaded · high Camp Pendleton $4,854 · low Fort Riley $2,052
MHA code pending — loads with the DTMO ZIP file
Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
Untaxed — matching it with taxable pay takes$2,815 / mo gross
Other dependency status here$2,082 without 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-3E with dependents, every station0 – $4,854 / month
Camp Pendleton$4,854
San Diego$4,770
Honolulu County$4,572
JB Elmendorf-Richardson$3,558
JB Lewis-McChord$3,216
Norfolk$2,859
Fort Stewart$2,736
Fort Carson$2,679
Fort Campbell$2,634
Fort Drum$2,559
Fort Hood$2,451
Fort Bragg$2,289
Fort Bliss$2,268
Camp Lejeune$2,208
San Antonio (JBSA)$2,196
Fort Benning$2,166
Fort Riley$2,052
San Antonio (JBSA) is #15 of 17. The spread between
the dearest and cheapest station at this grade is $2,802 a month —
$33,624 a year, untaxed.
Every pay grade at San Antonio (JBSA)0 – $2,490 / month
E-1$1,728
E-2$1,728
E-3$1,728
E-4$1,728
E-5$1,869
E-6$2,094
E-7$2,112
E-8$2,121
E-9$2,157
W-1$2,109
W-2$2,118
W-3$2,130
W-4$2,178
W-5$2,280
O-1E$2,115
O-2E$2,124
O-3E$2,196
O-1$1,905
O-2$2,091
O-3$2,127
O-4$2,307
O-5$2,457
O-6$2,475
O-7$2,490
Rates flatten out at the top of each track, which is why the sheet stops at O-7.
01
Dependency status is worth 5% 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. $2,196 a month of BAH takes more than $2,196 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.