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

Press Enter to look it up.

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
With $5,127 Without $4,086

E-5 at San Francisco draws $5,127 per month with dependents in 2026, $4,086 without

Permalink bahratedesk.com/san-francisco-ca/ Excel CSV
San Francisco, CA
E-5 · with dependents
$5,127/ month
$61,524 / year
At E-5, this is #1 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA CA019 · ZIPs 94005 94010 94011 94014 94015 94016 +67 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $6,573 / mo gross
Without dependents here $4,086 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare San Francisco · E-5 · $5,127/mo
San Francisco $5,127/mo · $61,524/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

San Francisco — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $4,764 $3,573
E-2 $4,764 $3,573
E-3 $4,764 $3,573
E-4 $4,764 $3,573
E-5 $5,127 $4,086
E-6 $5,454 $4,443
E-7 $5,490 $4,782
E-8 $5,529 $5,196
E-9 $5,799 $5,286
Warrant officer
W-1 $5,472 $4,644
W-2 $5,505 $5,193
W-3 $5,559 $5,301
W-4 $5,892 $5,454
W-5 $6,297 $5,496
Officer — prior enlisted
O-1E $5,493 $5,124
O-2E $5,547 $5,268
O-3E $5,955 $5,445
Officer
O-1 $5,172 $4,401
O-2 $5,451 $5,007
O-3 $5,556 $5,331
O-4 $6,444 $5,481
O-5 $7,089 $5,499
O-6 $7,155 $5,532
O-7 $7,215 $5,634

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
New York City $5,070
Boston $4,791
Northern New Jersey $4,749
Santa Clara County $4,659
Westchester County $4,479
Long Island $4,425
Nantucket $4,344
Maui County $4,329
Hanscom AFB $4,188
Martha's Vineyard $3,984
San Diego $3,975
Florida Keys $3,969
Camp Pendleton $3,963
Cape Cod-Plymouth $3,924
Los Angeles $3,882
Kauai County $3,798
Oakland $3,759
Staten Island $3,735
Honolulu County $3,663
Miami $3,660
Anniston $1,185

San Francisco is #1 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at San Francisco0 – $7,215 / month
E-1 $4,764
E-2 $4,764
E-3 $4,764
E-4 $4,764
E-5 $5,127
E-6 $5,454
E-7 $5,490
E-8 $5,529
E-9 $5,799
W-1 $5,472
W-2 $5,505
W-3 $5,559
W-4 $5,892
W-5 $6,297
O-1E $5,493
O-2E $5,547
O-3E $5,955
O-1 $5,172
O-2 $5,451
O-3 $5,556
O-4 $6,444
O-5 $7,089
O-6 $7,155
O-7 $7,215

The pay chart moves this allowance far less than the map does.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.