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
    With $7,089Without $5,499

    O-5 at San Francisco draws $7,089 per month with dependents in 2026, $5,499 without

    Permalinkbahratedesk.com/san-francisco-ca/o-5/ExcelCSVDownloads cover this station.
    San Francisco, CA
    O-5 · with dependents
    $7,089/ month
    $85,068 / year
    At O-5, this is #3 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA CA019 · ZIPs 94005 94010 94011 94014 94015 94016 +67 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$9,088 / mo gross
    Without dependents here$5,499 / mo
    In government quarters, no dependents$50.10 / mo partial
    San Francisco — full sheetTap 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
    PCS compareSan Francisco · O-5 · $7,089/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$3,459−$41,508/yr · like −$53,215 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    New York City$7,128
    San Francisco$7,089
    Nantucket$6,933
    Boston$6,483
    Maui County$6,378
    Santa Clara County$6,333
    Youngstown$1,827

    San Francisco is #3 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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

    Promoting to O-6 here adds $66 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 Francisco to Westchester County at O-5 is worth $975 a month — about 15 promotions worth of housing allowance, at $66 per grade here.

    02

    Dependency status is worth 29% 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. $7,089 a month of BAH takes more than $7,089 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.