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 $3,198 Without $2,679

E-5 at San Luis Obispo draws $3,198 per month with dependents in 2026, $2,679 without

Permalink bahratedesk.com/san-luis-obispo-ca/ Excel CSV
San Luis Obispo, CA
E-5 · with dependents
$3,198/ month
$38,376 / year
At E-5, this is #42 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA CA392 · ZIPs 93401 93402 93403 93405 93406 93407 +37 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $4,100 / mo gross
Without dependents here $2,679 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare San Luis Obispo · E-5 · $3,198/mo
San Luis Obispo $3,198/mo · $38,376/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 Luis Obispo — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $3,027 $2,358
E-2 $3,027 $2,358
E-3 $3,027 $2,358
E-4 $3,027 $2,358
E-5 $3,198 $2,679
E-6 $3,948 $2,961
E-7 $4,047 $3,036
E-8 $4,152 $3,348
E-9 $4,413 $3,576
Warrant officer
W-1 $3,969 $2,976
W-2 $4,089 $3,345
W-3 $4,218 $3,600
W-4 $4,485 $3,966
W-5 $4,806 $4,068
Officer — prior enlisted
O-1E $4,062 $3,195
O-2E $4,200 $3,525
O-3E $4,536 $3,942
Officer
O-1 $3,291 $2,853
O-2 $3,939 $3,144
O-3 $4,215 $3,675
O-4 $4,920 $4,047
O-5 $5,430 $4,101
O-6 $5,475 $4,197
O-7 $5,520 $4,272

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Vallejo $3,369
Juneau $3,354
Riverside $3,351
Vandenberg SFB $3,333
Portsmouth $3,321
Marin $3,303
San Bernardino $3,288
Portland $3,252
Indian Head Navordsta $3,249
Sitka $3,210
San Luis Obispo $3,198
Providence $3,195
Manchester $3,177
County Cost Group 890 $3,156
Seattle $3,135
Washington $3,132
Burlington $3,120
Fitchburg $3,093
New Haven $3,069
Warrenton $3,066
Beale AFB $2,967
Anniston $1,185

San Luis Obispo is #42 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 Luis Obispo0 – $5,520 / month
E-1 $3,027
E-2 $3,027
E-3 $3,027
E-4 $3,027
E-5 $3,198
E-6 $3,948
E-7 $4,047
E-8 $4,152
E-9 $4,413
W-1 $3,969
W-2 $4,089
W-3 $4,218
W-4 $4,485
W-5 $4,806
O-1E $4,062
O-2E $4,200
O-3E $4,536
O-1 $3,291
O-2 $3,939
O-3 $4,215
O-4 $4,920
O-5 $5,430
O-6 $5,475
O-7 $5,520

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

Moving from San Luis Obispo to San Francisco at E-5 is worth $1,929 a month — about 3 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.