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
    Dependents

    W-5 without dependents at San Luis Obispo draws $4,068 per month in 2026

    Permalinkbahratedesk.com/san-luis-obispo-ca/w-5/without/ExcelCSVDownloads cover this station.
    San Luis Obispo, CA
    W-5 · without dependents
    $4,068/ month
    $48,816 / year
    At W-5, this is #29 of 338 stations loaded · high Westchester County $5,946 · low Youngstown $1,527
    MHA CA392 · ZIPs 93401 93402 93403 93405 93406 93407 +37 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$5,215 / mo gross
    Other dependency status here$4,806 with dependents
    In government quarters, no dependents$50.10 / mo partial
    San Luis Obispo — full sheetTap a row
    PCS compareSan Luis Obispo · W-5 · $4,068/mo
    Aberdeen Proving Grounds$2,892/mo · $34,704/yr
    ▼ CUT$1,176−$14,112/yr · like −$18,092 of salary

    What this rate means

    W-5 without dependents, nearest stations0 – $5,946 / month
    Westchester County$5,946
    Perth Amboy$4,146
    Essex CO$4,101
    Ventura$4,101
    Miami$4,083
    San Luis Obispo$4,068
    Seattle$4,047
    Portsmouth$4,044
    Marin$3,966
    Burlington$3,951
    Youngstown$1,527

    San Luis Obispo is #29 of 338. The spread between the dearest and cheapest station at this grade is $4,419 a month — $53,028 a year, untaxed.

    Every pay grade at San Luis Obispo0 – $4,272 / month
    E-1$2,358
    E-2$2,358
    E-3$2,358
    E-4$2,358
    E-5$2,679
    E-6$2,961
    E-7$3,036
    E-8$3,348
    E-9$3,576
    W-1$2,976
    W-2$3,345
    W-3$3,600
    W-4$3,966
    W-5$4,068
    O-1E$3,195
    O-2E$3,525
    O-3E$3,942
    O-1$2,853
    O-2$3,144
    O-3$3,675
    O-4$4,047
    O-5$4,101
    O-6$4,197
    O-7$4,272

    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. $4,068 a month of BAH takes more than $4,068 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.