Official data current

San Francisco BAH rates

Verified · Effective 2026-01-01 · MHA CA019

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W-4 · With dependents
$5,892per month

$70,704 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #2 of 338W-4 · with dependents reference
Taxable-pay equivalent$7,554/mo Using the stated 22% comparison rate
Year-over-year change+$150/mo · +2.6%2025 $5,742 → 2026 $5,892
W-4 rate selectedMHA CA019 ZIPs 94005 94010 94011 94014 94015 94016 +67
PCS compare San Francisco · W-4 · with dep. · $5,892/mo
San Francisco $5,892/mo · $70,704/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.

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

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Rate history

How updates work
2025$5,742
2026$5,892

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

San Francisco — full sheet Tap a row

What this rate means

W-4 with dependents, nearest stations0 – $6,963 / month
Westchester County $6,963
San Francisco $5,892
New York City $5,883
Nantucket $5,772
Maui County $5,760
Boston $5,457
Santa Clara County $5,448
Northern New Jersey $5,289
Long Island $5,229
Florida Keys $5,178
Martha's Vineyard $5,166
Hanscom AFB $5,061
Monterey $5,001
Kauai County $4,938
Essex CO $4,833
Camp Pendleton $4,824
Staten Island $4,743
Miami $4,737
San Diego $4,731
Los Angeles $4,728
Portsmouth $4,668
Stevens Point $1,779

San Francisco is #2 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 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.

Moving from San Francisco to Westchester County at W-4 is worth $1,071 a month — about 3 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…