Official data current

San Luis Obispo BAH rates

Verified · Effective 2026-01-01 · MHA CA392

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O-5 · With dependents
$5,430per month

$65,160 per year · federal tax-free allowance

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

National position #19 of 338O-5 · with dependents reference
Taxable-pay equivalent$6,962/mo Using the stated 22% comparison rate
Year-over-year change+$432/mo · +8.6%2025 $4,998 → 2026 $5,430
O-5 rate selectedMHA CA392 ZIPs 93401 93402 93403 93405 93406 93407 +37
PCS compare San Luis Obispo · O-5 · with dep. · $5,430/mo
San Luis Obispo $5,430/mo · $65,160/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$4,998
2026$5,430

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

San Luis Obispo — full sheet Tap a row

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month
Westchester County $8,064
Hanscom AFB $6,087
Northern New Jersey $5,991
Kauai County $5,892
Essex CO $5,853
Long Island $5,823
Miami $5,763
Martha's Vineyard $5,646
Monterey $5,565
San Diego $5,493
Los Angeles $5,436
San Luis Obispo $5,430
Staten Island $5,394
Camp Pendleton $5,391
Portsmouth $5,355
Trenton $5,334
West Point $5,253
Portland $5,235
Cape Cod-Plymouth $5,196
Oakland $5,133
Fort Monmouth $4,986
Fitchburg $4,965
Youngstown $1,827

San Luis Obispo is #19 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 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 Westchester County at O-5 is worth $2,634 a month — about 59 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…