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
    Dependents

    O-1E with dependents at San Diego draws $4,449 per month in 2026

    Permalinkbahratedesk.com/san-diego/o-1e/with/ExcelCSVDownloads cover this station.
    San Diego, CA
    O-1E · with dependents
    $4,449/ month
    $53,388 / year
    At O-1E, this is #2 of 17 stations loaded · high Camp Pendleton $4,512 · low Fort Riley $1,854
    MHA CA038 · ZIPs 92101 92132 92136
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$5,704 / mo gross
    Other dependency status here$3,972 without dependents
    In government quarters, no dependents$50.10 / mo partial
    MHA

    One MHA covers the county — 32nd Street, Coronado, North Island, Miramar and MCRD all draw the same rate.

    San Diego — full sheetTap a row
    PCS compareSan Diego · O-1E · $4,449/mo
    Fort Bragg$2,097/mo · $25,164/yr
    ▼ CUT$2,352−$28,224/yr · like −$36,185 of salary

    What this rate means

    O-1E with dependents, every station0 – $4,512 / month
    Camp Pendleton$4,512
    San Diego$4,449
    Honolulu County$4,137
    JB Elmendorf-Richardson$3,078
    JB Lewis-McChord$3,006
    Norfolk$2,613
    Fort Stewart$2,502
    Fort Carson$2,496
    Fort Campbell$2,271
    Fort Bliss$2,175
    Fort Drum$2,145
    San Antonio (JBSA)$2,115
    Fort Hood$2,100
    Fort Bragg$2,097
    Fort Benning$2,007
    Camp Lejeune$2,001
    Fort Riley$1,854

    San Diego is #2 of 17. The spread between the dearest and cheapest station at this grade is $2,658 a month — $31,896 a year, untaxed.

    Every pay grade at San Diego0 – $5,586 / month
    E-1$3,666
    E-2$3,666
    E-3$3,666
    E-4$3,666
    E-5$3,975
    E-6$4,404
    E-7$4,446
    E-8$4,488
    E-9$4,671
    W-1$4,425
    W-2$4,464
    W-3$4,521
    W-4$4,731
    W-5$4,992
    O-1E$4,449
    O-2E$4,506
    O-3E$4,770
    O-1$4,032
    O-2$4,401
    O-3$4,518
    O-4$5,082
    O-5$5,493
    O-6$5,541
    O-7$5,586

    Promoting to O-2E here adds $57 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 Diego to Camp Pendleton at O-1E is worth $63 a month — about 1 promotions worth of housing allowance, at $57 per grade here.

    02

    Dependency status is worth 12% 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. $4,449 a month of BAH takes more than $4,449 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.