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

    O-2 without dependents at Santa Clara County draws $4,560 per month in 2026

    Permalinkbahratedesk.com/santa-clara-county-ca/o-2/without/ExcelCSVDownloads cover this station.
    Santa Clara County, CA
    O-2 · without dependents
    $4,560/ month
    $54,720 / year
    At O-2, this is #5 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA CA044 · ZIPs 94002 94020 94021 94022 94023 94024 +117 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$5,846 / mo gross
    Other dependency status here$4,974 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Santa Clara County — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$4,356$3,318
    E-2$4,356$3,318
    E-3$4,356$3,318
    E-4$4,356$3,318
    E-5$4,659$3,798
    E-6$4,977$4,086
    E-7$5,058$4,368
    E-8$5,145$4,728
    E-9$5,382$4,815
    Warrant officer
    W-1$4,998$4,257
    W-2$5,094$4,725
    W-3$5,202$4,830
    W-4$5,448$4,992
    W-5$5,751$5,076
    Officer — prior enlisted
    O-1E$5,070$4,656
    O-2E$5,184$4,797
    O-3E$5,496$4,971
    Officer
    O-1$4,704$4,053
    O-2$4,974$4,560
    O-3$5,199$4,860
    O-4$5,856$5,055
    O-5$6,333$5,100
    O-6$6,387$5,178
    O-7$6,441$5,274
    PCS compareSanta Clara County · O-2 · $4,560/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▼ CUT−$2,148−$25,776/yr · like −$33,046 of salary

    What this rate means

    O-2 without dependents, every station0 – $5,091 / month
    New York City$5,091
    San Francisco$5,007
    Boston$4,644
    Northern New Jersey$4,593
    Santa Clara County$4,560
    Westchester County$4,383
    Long Island$4,326
    Nantucket$4,305
    Maui County$4,161
    Hanscom AFB$4,122
    Florida Keys$3,921
    Martha's Vineyard$3,879
    San Diego$3,873
    Camp Pendleton$3,855
    Cape Cod-Plymouth$3,852
    Los Angeles$3,780
    Kauai County$3,732
    Staten Island$3,675
    Oakland$3,666
    Miami$3,597
    Honolulu County$3,555
    Hawaii County$3,549
    Fort Monmouth$3,486
    Ventura$3,486
    Essex CO$3,417
    West Point$3,402
    Monterey$3,396
    Trenton$3,384
    Perth Amboy$3,381
    Chicago$3,354
    West Palm Beach$3,348
    Marin$3,291
    Vallejo$3,279
    Vandenberg SFB$3,276
    Riverside$3,270
    Portsmouth$3,249
    Indian Head Navordsta$3,234
    Portland$3,201
    San Bernardino$3,180
    Providence$3,150
    San Luis Obispo$3,144
    Washington$3,126
    Manchester$3,120
    County Cost Group 890$3,093
    Seattle$3,087
    Fitchburg$3,075
    New Haven$3,036
    Burlington$3,033
    Warrenton$3,003
    Beale AFB$2,892
    Quantico$2,883
    Worcester$2,880
    Annapolis$2,874
    Willow Grove$2,871
    Santa Fe$2,856
    Fort G. G. Meade$2,850
    Hartford$2,823
    Sacramento$2,805
    Newport$2,796
    JB McGuire-Dix-Lakehurst$2,793
    County Cost Group 880$2,790
    Denver$2,748
    Boulder$2,694
    Everett$2,691
    Cape May$2,682
    Fort Myers Beach$2,652
    Tampa$2,649
    Atlantic City$2,628
    Fort Pierce$2,628
    Fort Detrick$2,613
    Philadelphia$2,613
    Edwards AFB$2,601
    County Cost Group 870$2,598
    Orlando$2,592
    Juneau$2,577
    Madison$2,571
    Outer Banks$2,562
    Ballston Spa$2,556
    Ketchikan$2,550
    Baltimore$2,547
    Milwaukee$2,529
    New London$2,529
    Stockton$2,523
    JB Lewis-McChord$2,496
    Sitka$2,475
    Ann Arbor$2,472
    Minneapolis$2,445
    Patrick SFB$2,445
    Elizabeth City$2,442
    County Cost Group 860$2,436
    Aberdeen Proving Grounds$2,412
    Eglin AFB$2,406
    Oxford$2,391
    Dallas$2,388
    St. Louis$2,385
    Beaufort$2,379
    Birmingham$2,370
    Norfolk$2,367
    Patuxent River$2,364
    County Cost Group 850$2,358
    Savannah$2,358
    Great Lakes Navtracen$2,355
    Fresno$2,352
    Hampden County$2,352
    Atlanta$2,349
    Kodiak Island$2,349
    Allentown$2,340
    Charlottesville$2,340
    Port Angeles$2,340
    Bremerton$2,337
    Charleston$2,334
    Dahlgren$2,328
    Portland$2,322
    Reno$2,322
    Ocala$2,319
    Corvallis$2,307
    Fort Carson$2,295
    Richmond$2,295
    JB Elmendorf-Richardson$2,286
    Austin$2,283
    County Cost Group 840$2,274
    Fort Stewart$2,268
    Detroit$2,256
    Brunswick$2,250
    Dover AFB$2,241
    Volusia County$2,232
    Nashville$2,220
    Phoenix$2,217
    Astoria$2,214
    Hampton$2,214
    Pittsburgh$2,214
    Cincinnati$2,202
    County Cost Group 830$2,202
    Fort Collins$2,202
    Dahlonega$2,187
    Traverse City$2,178
    Asheville$2,166
    Bridgeport$2,166
    Buffalo$2,166
    Whidbey Island$2,160
    Coastal Maine$2,148
    Knoxville$2,148
    Eugene$2,145
    Albuquerque$2,142
    Jacksonville$2,139
    Abilene$2,136
    Panama City$2,133
    Grand Haven$2,127
    Rochester$2,127
    Houston$2,124
    Charlotte$2,118
    County Cost Group 820$2,118
    Spokane$2,106
    Memphis$2,103
    Kings Bay$2,097
    Rome$2,097
    Grand Rapids$2,085
    Durham$2,082
    Eastern Shore$2,082
    Lemoore NAS$2,079
    Salt Lake City$2,070
    Fairbanks$2,064
    Myrtle Beach$2,064
    Fort Worth$2,061
    Ogden$2,058
    Raleigh$2,046
    Nellis AFB$2,031
    Gainesville$2,025
    Carlisle Barracks$2,022
    County Cost Group 810$2,022
    Omaha$2,022
    Duluth$2,019
    Provo$2,019
    Eastern Panhandle$2,010
    Wilmington$2,007
    Syracuse$1,995
    Twenty Nine Palms MCB$1,989
    Helena$1,971
    Barstow$1,968
    Salem$1,965
    El Centro$1,962
    Chattanooga$1,950
    Kansas City$1,944
    Toledo$1,944
    Cleveland$1,932
    Louisville$1,932
    Rapid City$1,929
    County Cost Group 800$1,920
    Boise$1,902
    Fort Wayne$1,896
    Jackson$1,890
    Humboldt County$1,887
    Greenville$1,881
    College Station$1,878
    Yakima$1,878
    Battle Creek$1,875
    Fort Gordon$1,866
    New Orleans$1,866
    Bloomington$1,860
    Columbia$1,860
    Roanoke$1,860
    County Cost Group 790$1,851
    Rock Island$1,851
    Columbus$1,848
    Bangor$1,842
    Baton Rouge$1,842
    Pensacola$1,842
    Davis-Monthan AFB$1,839
    Mobile$1,839
    Morehead$1,839
    Indianapolis$1,836
    San Antonio (JBSA)$1,827
    Lexington$1,824
    Little Rock$1,824
    Tallahassee$1,815
    Fargo$1,803
    Shreveport$1,800
    Coos Bay$1,797
    Fort Campbell$1,794
    Fort Leavenworth$1,794
    State College$1,794
    Fort Bragg$1,782
    County Cost Group 780$1,776
    Greensboro$1,770
    Robins AFB$1,770
    Fort Bliss$1,764
    Huntsville$1,758
    Marquette$1,758
    Fayetteville$1,746
    Corpus Christi$1,743
    Lansing$1,743
    Lincoln$1,743
    Cheyenne$1,728
    Des Moines$1,722
    Wilkes-Barre$1,722
    County Cost Group 770$1,716
    Waco$1,713
    Bismarck$1,701
    Fort Benning$1,692
    Fort Hood$1,689
    Fort Knox$1,683
    Mountain Home AFB$1,683
    Auburn$1,680
    Fort Huachuca$1,674
    Grand Forks$1,662
    Montgomery$1,662
    Johnson City$1,656
    County Cost Group 760$1,650
    Yuma$1,650
    Wichita Fls$1,647
    Fort Drum$1,638
    White Sands MR$1,638
    Oklahoma City$1,614
    Wright-Patterson AFB$1,614
    Tulsa$1,611
    County Cost Group 750$1,605
    Camp Lejeune$1,596
    Fallon NAS$1,596
    St Mary And Terrebonne$1,593
    Malmstrom SFB$1,590
    Topeka$1,590
    Morgantown$1,578
    Gulfport$1,575
    Akron$1,569
    Scott AFB$1,560
    Whiteman AFB$1,560
    China Lake$1,554
    Columbus AFB$1,554
    County Cost Group 740$1,554
    Peoria$1,554
    Sioux Falls$1,545
    Goodfellow AFB$1,542
    Lafayette$1,542
    Minot AFB$1,542
    Seymour Johnson AFB$1,542
    Lexington$1,539
    Holloman AFB$1,536
    Fort Rucker$1,533
    Champaign$1,530
    County Cost Group 730$1,524
    Moody AFB$1,521
    Beaumont$1,515
    County Cost Group 720$1,503
    Huntington$1,494
    Sumter$1,494
    Sault Ste Marie$1,491
    Brownsville$1,482
    County Cost Group 710$1,482
    Springfield$1,476
    Erie$1,470
    Terre Haute$1,467
    County Cost Group 700$1,464
    Lubbock$1,461
    County Cost Group 690$1,452
    Fort Leonard Wood$1,452
    Frankfort$1,452
    Paducah$1,452
    Saginaw$1,449
    County Cost Group 680$1,440
    Laughlin AFB$1,440
    Springfield$1,434
    County Cost Group 670$1,431
    County Cost Group 660$1,419
    County Cost Group 650$1,410
    Sparta$1,410
    Fort Polk$1,407
    County Cost Group 640$1,404
    County Cost Group 630$1,395
    County Cost Group 620$1,389
    Fort Riley$1,386
    County Cost Group 610$1,380
    Charleston$1,377
    County Cost Group 600$1,374
    Hattiesburg$1,374
    Albany$1,362
    County Cost Group 590$1,362
    Wichita$1,362
    Columbia$1,356
    County Cost Group 580$1,353
    County Cost Group 570$1,341
    Fort Chaffee$1,341
    Alexandria$1,338
    Lake Charles$1,338
    Cannon AFB$1,335
    County Cost Group 560$1,332
    Stevens Point$1,326
    County Cost Group 550$1,323
    County Cost Group 540$1,314
    County Cost Group 530$1,308
    County Cost Group 520$1,305
    County Cost Group 510$1,299
    Meridian$1,272
    Altus AFB$1,251
    Monroe$1,251
    Fort Sill$1,227
    Vance AFB$1,221
    Anniston$1,194
    Youngstown$1,176

    Santa Clara County is #5 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Santa Clara County0 – $5,274 / month
    E-1$3,318
    E-2$3,318
    E-3$3,318
    E-4$3,318
    E-5$3,798
    E-6$4,086
    E-7$4,368
    E-8$4,728
    E-9$4,815
    W-1$4,257
    W-2$4,725
    W-3$4,830
    W-4$4,992
    W-5$5,076
    O-1E$4,656
    O-2E$4,797
    O-3E$4,971
    O-1$4,053
    O-2$4,560
    O-3$4,860
    O-4$5,055
    O-5$5,100
    O-6$5,178
    O-7$5,274

    Promoting to O-3 here adds $300 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Santa Clara County to New York City at O-2 is worth $531 a month — about 2 promotions worth of housing allowance, at $300 per grade here.

    02

    Dependency status is worth 9% 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. $4,560 a month of BAH takes more than $4,560 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.