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
    WithWithout

    W-5 with dependents at San Luis Obispo draws $4,806 per month in 2026

    Permalinkbahratedesk.com/san-luis-obispo-ca/w-5/with/ExcelCSVDownloads cover this station.
    San Luis Obispo, CA
    W-5 · with dependents
    $4,806/ month
    $57,672 / year
    At W-5, this is #23 of 338 stations loaded · high Westchester County $7,338 · low Youngstown $1,806
    MHA CA392 · ZIPs 93401 93402 93403 93405 93406 93407 +37 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$6,162 / mo gross
    Other dependency status here$4,068 without dependents
    In government quarters, no dependents$50.10 / mo partial
    San Luis Obispo — full sheetTap 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
    PCS compareSan Luis Obispo · W-5 · $4,806/mo
    Aberdeen Proving Grounds$3,348/mo · $40,176/yr
    ▼ CUT−$1,458−$17,496/yr · like −$22,431 of salary

    What this rate means

    W-5 with dependents, nearest stations0 – $7,338 / month
    Westchester County$7,338
    Los Angeles$4,971
    Staten Island$4,968
    Portsmouth$4,905
    Trenton$4,836
    San Luis Obispo$4,806
    West Point$4,806
    Cape Cod-Plymouth$4,803
    Oakland$4,740
    Portland$4,740
    Youngstown$1,806

    San Luis Obispo is #23 of 338. The spread between the dearest and cheapest station at this grade is $5,532 a month — $66,384 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

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 18% 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. $4,806 a month of BAH takes more than $4,806 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.