BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

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

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-2 with dependents at San Bernardino draws $3,378 per month in 2026

    Permalinkbahratedesk.com/san-bernardino-ca/o-2/with/ExcelCSVDownloads cover this station.
    San Bernardino, CA
    O-2 · with dependents
    $3,378/ month
    $40,536 / year
    At O-2, this is #52 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA CA031 · ZIPs 91701 91729 91730 91737 91739 91743 +72 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$4,331 / mo gross
    Other dependency status here$3,180 without dependents
    In government quarters, no dependents$50.10 / mo partial
    San Bernardino — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,958$2,220
    E-2$2,958$2,220
    E-3$2,958$2,220
    E-4$2,958$2,220
    E-5$3,288$2,466
    E-6$3,381$2,667
    E-7$3,399$2,973
    E-8$3,408$3,312
    E-9$3,465$3,327
    Warrant officer
    W-1$3,396$2,850
    W-2$3,405$3,309
    W-3$3,417$3,333
    W-4$3,489$3,372
    W-5$3,597$3,387
    Officer — prior enlisted
    O-1E$3,402$3,285
    O-2E$3,411$3,324
    O-3E$3,504$3,369
    Officer
    O-1$3,306$2,628
    O-2$3,378$3,180
    O-3$3,414$3,339
    O-4$3,630$3,375
    O-5$3,798$3,390
    O-6$3,828$3,393
    O-7$3,855$3,438
    PCS compareSan Bernardino · O-2 · $3,378/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▼ CUT−$639−$7,668/yr · like −$9,831 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    JB McGuire-Dix-Lakehurst$3,438
    Santa Fe$3,411
    Willow Grove$3,393
    Worcester$3,387
    San Bernardino$3,378
    Indian Head Navordsta$3,375
    Warrenton$3,375
    Juneau$3,369
    Boulder$3,336
    Youngstown$1,332

    San Bernardino is #52 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

    Every pay grade at San Bernardino0 – $3,855 / month
    E-1$2,958
    E-2$2,958
    E-3$2,958
    E-4$2,958
    E-5$3,288
    E-6$3,381
    E-7$3,399
    E-8$3,408
    E-9$3,465
    W-1$3,396
    W-2$3,405
    W-3$3,417
    W-4$3,489
    W-5$3,597
    O-1E$3,402
    O-2E$3,411
    O-3E$3,504
    O-1$3,306
    O-2$3,378
    O-3$3,414
    O-4$3,630
    O-5$3,798
    O-6$3,828
    O-7$3,855

    Promoting to O-3 here adds $36 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 Bernardino to San Francisco at O-2 is worth $2,073 a month — about 58 promotions worth of housing allowance, at $36 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. $3,378 a month of BAH takes more than $3,378 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.