What is O-1E BAH at Stockton in 2026?

$2,550 per month without dependents ($30,600 per year), effective 01 JAN 2026. with dependents it is $3,096 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-1E BAH at Stockton 2026 — $2,550/mo without dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Stockton, CA

O-1E · without dependents

$2,550/ month

$30,600 / year

At O-1E, this is #85 of 338 stations loaded · high San Francisco $5,124 · low Youngstown $1,188

MHA CA035 · ZIPs 95201 95202 95203 95204 95205 95206 +65 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$3,269 / mo gross

Other dependency status here$3,096 with dependents

In government quarters, no dependents$50.10 / mo partial

Stockton — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,445	$1,926
E-2	$2,445	$1,926
E-3	$2,445	$1,926
E-4	$2,445	$1,926
E-5	$2,553	$2,187
E-6	$2,934	$2,340
E-7	$3,072	$2,445
E-8	$3,219	$2,634
E-9	$3,432	$2,742
Warrant officer
W-1	$2,955	$2,418
W-2	$3,132	$2,631
W-3	$3,315	$2,757
W-4	$3,477	$2,961
W-5	$3,672	$3,105
Officer — prior enlisted
O-1E	$3,096	$2,550
O-2E	$3,288	$2,718
O-3E	$3,507	$2,925
Officer
O-1	$2,607	$2,331
O-2	$2,931	$2,523
O-3	$3,309	$2,793
O-4	$3,738	$3,075
O-5	$4,047	$3,156
O-6	$4,080	$3,294
O-7	$4,110	$3,351

What this rate means

O-1E without dependents, nearest stations0 – $5,124 / month

San Francisco$5,124

Juneau$2,586

New London$2,577

Ann Arbor$2,556

JB Lewis-McChord$2,553

Stockton$2,550

Minneapolis$2,538

Elizabeth City$2,505

Patrick SFB$2,499

County Cost Group 860$2,484

Youngstown$1,188

Stockton is #85 of 338. The spread between the dearest and cheapest station at this grade is $3,936 a month — $47,232 a year, untaxed.

Every pay grade at Stockton0 – $3,351 / month

E-1$1,926

E-2$1,926

E-3$1,926

E-4$1,926

E-5$2,187

E-6$2,340

E-7$2,445

E-8$2,634

E-9$2,742

W-1$2,418

W-2$2,631

W-3$2,757

W-4$2,961

W-5$3,105

O-1E$2,550

O-2E$2,718

O-3E$2,925

O-1$2,331

O-2$2,523

O-3$2,793

O-4$3,075

O-5$3,156

O-6$3,294

O-7$3,351

Promoting to O-2E here adds $168 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Stockton to San Francisco at O-1E is worth $2,574 a month — about 15 promotions worth of housing allowance, at $168 per grade here.

Dependency status is worth 21% 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.

None of it is taxed. $2,550 a month of BAH takes more than $2,550 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-1E without dependents at Stockton draws $2,550 per month in 2026

What this rate means

Things the rate table doesn't tell you