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-3E with dependents at San Antonio (JBSA) draws $2,196 per month in 2026

    Permalinkbahratedesk.com/san-antonio/o-3e/with/ExcelCSVDownloads cover this station.
    San Antonio, TX
    O-3E · with dependents
    $2,196/ month
    $26,352 / year
    At O-3E, this is #271 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA TX285 · ZIPs 78002 78023 78054 78069 78070 78073 +107 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,815 / mo gross
    Other dependency status here$2,082 without dependents
    In government quarters, no dependents$50.10 / mo partial
    MHA

    Most JBSA grades went DOWN for 2026 — see the rate-protection flag below.

    RATE PROTECTION

    Already stationed here? You don't take this cut. BAH rate protection holds you at your prior year's amount as long as your duty location, grade and dependency status stay the same. The lower 2026 number applies to members arriving on new orders, and to you if you promote, change dependency status, or PCS.

    San Antonio (JBSA) — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,728$1,359
    E-2$1,728$1,359
    E-3$1,728$1,359
    E-4$1,728$1,359
    E-5$1,869$1,500
    E-6$2,094$1,596
    E-7$2,112$1,731
    E-8$2,121$1,920
    E-9$2,157$1,977
    Warrant officer
    W-1$2,109$1,692
    W-2$2,118$1,917
    W-3$2,130$1,986
    W-4$2,178$2,085
    W-5$2,280$2,097
    Officer — prior enlisted
    O-1E$2,115$1,866
    O-2E$2,124$1,965
    O-3E$2,196$2,082
    Officer
    O-1$1,905$1,584
    O-2$2,091$1,827
    O-3$2,127$2,007
    O-4$2,307$2,088
    O-5$2,457$2,100
    O-6$2,475$2,103
    O-7$2,490$2,112
    PCS compareSan Antonio (JBSA) · O-3E · $2,196/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$1,026+$12,312/yr · like +$15,785 of salary

    What this rate means

    O-3E with dependents, every station0 – $7,023 / month
    Westchester County$7,023
    San Francisco$5,955
    New York City$5,949
    Nantucket$5,832
    Maui County$5,793
    Boston$5,511
    Santa Clara County$5,496
    Northern New Jersey$5,325
    Long Island$5,262
    Florida Keys$5,232
    Martha's Vineyard$5,193
    Hanscom AFB$5,115
    Monterey$5,031
    Kauai County$4,986
    Essex CO$4,887
    Camp Pendleton$4,854
    Miami$4,791
    Staten Island$4,776
    San Diego$4,770
    Los Angeles$4,767
    Portsmouth$4,704
    Cape Cod-Plymouth$4,626
    Trenton$4,620
    West Point$4,608
    Honolulu County$4,572
    Oakland$4,566
    San Luis Obispo$4,536
    Portland$4,524
    Fort Monmouth$4,503
    Perth Amboy$4,422
    Burlington$4,380
    Seattle$4,371
    Manchester$4,365
    Ventura$4,365
    Marin$4,335
    Fitchburg$4,302
    Newport$4,284
    Washington$4,197
    West Palm Beach$4,191
    Providence$4,152
    New Haven$4,038
    Hawaii County$4,026
    County Cost Group 890$4,014
    Worcester$4,002
    Vandenberg SFB$3,933
    Hartford$3,930
    Warrenton$3,912
    Boulder$3,846
    Indian Head Navordsta$3,831
    Brunswick$3,813
    Chicago$3,810
    Atlantic City$3,801
    Santa Fe$3,795
    Riverside$3,783
    Juneau$3,720
    JB McGuire-Dix-Lakehurst$3,702
    Everett$3,666
    County Cost Group 880$3,660
    Vallejo$3,636
    Austin$3,624
    Annapolis$3,612
    Madison$3,582
    Hampden County$3,576
    Fort G. G. Meade$3,570
    Ann Arbor$3,561
    JB Elmendorf-Richardson$3,558
    Willow Grove$3,549
    Sitka$3,546
    Quantico$3,519
    Ketchikan$3,510
    Stockton$3,507
    San Bernardino$3,504
    Eglin AFB$3,468
    New London$3,465
    County Cost Group 870$3,432
    Edwards AFB$3,414
    Fort Detrick$3,399
    Cape May$3,390
    Ballston Spa$3,381
    Milwaukee$3,363
    Kodiak Island$3,348
    Astoria$3,339
    Denver$3,306
    Baltimore$3,303
    County Cost Group 860$3,246
    Outer Banks$3,246
    Beale AFB$3,231
    Fort Myers Beach$3,228
    Fort Pierce$3,228
    Aberdeen Proving Grounds$3,222
    JB Lewis-McChord$3,216
    Portland$3,207
    Philadelphia$3,189
    Whidbey Island$3,189
    Great Lakes Navtracen$3,183
    Charlottesville$3,177
    Port Angeles$3,174
    Sacramento$3,165
    Oxford$3,162
    Tampa$3,156
    Traverse City$3,156
    County Cost Group 850$3,153
    Bridgeport$3,150
    Bremerton$3,144
    Corvallis$3,102
    Asheville$3,069
    Dover AFB$3,069
    Fairbanks$3,066
    Fresno$3,063
    Knoxville$3,060
    County Cost Group 840$3,051
    Orlando$3,045
    Minneapolis$3,033
    Dahlgren$3,027
    Allentown$3,015
    Beaufort$3,009
    Patrick SFB$2,991
    Detroit$2,982
    Rome$2,976
    County Cost Group 830$2,970
    Humboldt County$2,961
    Coastal Maine$2,952
    Reno$2,946
    Twenty Nine Palms MCB$2,940
    Abilene$2,937
    Spokane$2,937
    Dallas$2,934
    Buffalo$2,919
    Syracuse$2,919
    Eugene$2,913
    Patuxent River$2,910
    College Station$2,904
    Fort Collins$2,901
    Nashville$2,898
    Helena$2,895
    St. Louis$2,892
    Richmond$2,883
    Rochester$2,880
    Savannah$2,874
    County Cost Group 820$2,868
    Norfolk$2,859
    Barstow$2,856
    Houston$2,856
    Gainesville$2,850
    Salem$2,847
    Yakima$2,847
    Salt Lake City$2,838
    Elizabeth City$2,823
    Pittsburgh$2,823
    Coos Bay$2,814
    Wilmington$2,805
    Charleston$2,802
    Panama City$2,802
    Atlanta$2,784
    Omaha$2,769
    County Cost Group 810$2,757
    El Centro$2,751
    State College$2,739
    Fort Stewart$2,736
    Cincinnati$2,724
    Tallahassee$2,721
    Volusia County$2,721
    Durham$2,703
    Chattanooga$2,700
    Carlisle Barracks$2,694
    New Orleans$2,688
    Fort Carson$2,679
    Columbus$2,679
    Bloomington$2,673
    Jackson$2,658
    Grand Haven$2,649
    Myrtle Beach$2,643
    County Cost Group 800$2,640
    Cleveland$2,637
    Hampton$2,637
    Battle Creek$2,634
    Fort Campbell$2,634
    Provo$2,631
    Eastern Panhandle$2,622
    Dahlonega$2,619
    Birmingham$2,613
    Fargo$2,613
    Corpus Christi$2,604
    Bangor$2,598
    Rapid City$2,574
    Grand Rapids$2,571
    Cheyenne$2,568
    Waco$2,568
    Ocala$2,565
    County Cost Group 790$2,559
    Des Moines$2,559
    Fort Drum$2,559
    Fort Knox$2,559
    Auburn$2,556
    Lemoore NAS$2,553
    Kings Bay$2,550
    Morehead$2,550
    Louisville$2,547
    Phoenix$2,547
    Fort Worth$2,526
    Albuquerque$2,520
    Eastern Shore$2,514
    Marquette$2,502
    Johnson City$2,490
    Wichita Fls$2,490
    Fayetteville$2,487
    Nellis AFB$2,487
    Charlotte$2,484
    Raleigh$2,481
    Duluth$2,478
    Mountain Home AFB$2,478
    Boise$2,475
    County Cost Group 780$2,469
    Jacksonville$2,463
    Ogden$2,454
    Fort Hood$2,451
    Kansas City$2,451
    Fort Leavenworth$2,448
    Rock Island$2,448
    Roanoke$2,430
    Memphis$2,409
    Fallon NAS$2,406
    Shreveport$2,403
    County Cost Group 770$2,400
    Scott AFB$2,397
    Fort Rucker$2,394
    Malmstrom SFB$2,391
    Fort Gordon$2,388
    Bismarck$2,382
    Lincoln$2,382
    Indianapolis$2,373
    Lexington$2,370
    Whiteman AFB$2,370
    Columbia$2,361
    Greensboro$2,358
    Baton Rouge$2,346
    Toledo$2,346
    Fort Wayne$2,343
    Mobile$2,340
    Pensacola$2,340
    Seymour Johnson AFB$2,340
    Robins AFB$2,334
    Grand Forks$2,325
    Huntsville$2,325
    Greenville$2,322
    County Cost Group 760$2,319
    Brownsville$2,316
    Champaign$2,310
    Lansing$2,310
    Laughlin AFB$2,307
    China Lake$2,289
    Davis-Monthan AFB$2,289
    Fort Bragg$2,289
    Tulsa$2,280
    Fort Huachuca$2,277
    County Cost Group 750$2,268
    Fort Bliss$2,268
    Columbus AFB$2,265
    Lexington$2,262
    Minot AFB$2,262
    Wright-Patterson AFB$2,259
    Goodfellow AFB$2,256
    Columbia$2,247
    Wilkes-Barre$2,241
    County Cost Group 740$2,211
    Sioux Falls$2,211
    Topeka$2,211
    Camp Lejeune$2,208
    Paducah$2,205
    Gulfport$2,199
    San Antonio (JBSA)$2,196
    Sumter$2,193
    Morgantown$2,184
    County Cost Group 730$2,175
    Terre Haute$2,175
    Akron$2,169
    Springfield$2,169
    Fort Benning$2,166
    Lafayette$2,157
    Moody AFB$2,157
    St Mary And Terrebonne$2,157
    Yuma$2,157
    Frankfort$2,154
    White Sands MR$2,154
    Peoria$2,151
    County Cost Group 720$2,148
    Lubbock$2,145
    Little Rock$2,127
    County Cost Group 710$2,124
    Sault Ste Marie$2,124
    Lake Charles$2,109
    Springfield$2,109
    County Cost Group 700$2,103
    Montgomery$2,100
    Alexandria$2,097
    Beaumont$2,091
    County Cost Group 690$2,088
    Fort Leonard Wood$2,085
    Albany$2,073
    County Cost Group 680$2,073
    Wichita$2,073
    Fort Chaffee$2,070
    Meridian$2,070
    Oklahoma City$2,070
    County Cost Group 670$2,064
    Fort Riley$2,052
    County Cost Group 660$2,049
    County Cost Group 650$2,040
    County Cost Group 640$2,031
    Holloman AFB$2,028
    County Cost Group 630$2,022
    Fort Polk$2,022
    Charleston$2,016
    County Cost Group 620$2,013
    County Cost Group 610$2,004
    Hattiesburg$2,001
    Sparta$2,001
    County Cost Group 600$1,998
    Huntington$1,989
    County Cost Group 590$1,983
    Vance AFB$1,977
    Altus AFB$1,971
    County Cost Group 580$1,971
    Erie$1,965
    County Cost Group 570$1,956
    County Cost Group 560$1,947
    County Cost Group 550$1,935
    County Cost Group 540$1,926
    County Cost Group 530$1,920
    County Cost Group 520$1,914
    County Cost Group 510$1,908
    Cannon AFB$1,896
    Fort Sill$1,893
    Saginaw$1,887
    Monroe$1,812
    Anniston$1,800
    Stevens Point$1,791
    Youngstown$1,788

    San Antonio (JBSA) is #271 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 a year, untaxed.

    Every pay grade at San Antonio (JBSA)0 – $2,490 / month
    E-1$1,728
    E-2$1,728
    E-3$1,728
    E-4$1,728
    E-5$1,869
    E-6$2,094
    E-7$2,112
    E-8$2,121
    E-9$2,157
    W-1$2,109
    W-2$2,118
    W-3$2,130
    W-4$2,178
    W-5$2,280
    O-1E$2,115
    O-2E$2,124
    O-3E$2,196
    O-1$1,905
    O-2$2,091
    O-3$2,127
    O-4$2,307
    O-5$2,457
    O-6$2,475
    O-7$2,490

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

    01

    Dependency status is worth 5% 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. $2,196 a month of BAH takes more than $2,196 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.