O-4 without dependents at San Antonio (JBSA) draws $2,088 per month in 2026
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San Antonio, TX
O-4 · without dependents
$2,088/ month
$25,056 / year
At O-4, this is #13 of 17 stations loaded · high Camp Pendleton $4,494 · low Fort Riley $1,842
MHA code pending — loads with the DTMO ZIP file
Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
Untaxed — matching it with taxable pay takes$2,677 / mo gross
Other dependency status here$2,307 with 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.
O-4 without dependents, every station0 – $4,494 / month
Camp Pendleton$4,494
San Diego$4,440
Honolulu County$4,110
JB Elmendorf-Richardson$3,051
JB Lewis-McChord$2,991
Norfolk$2,601
Fort Stewart$2,490
Fort Carson$2,484
Fort Campbell$2,250
Fort Bliss$2,157
Fort Drum$2,115
Fort Bragg$2,088
San Antonio (JBSA)$2,088
Fort Hood$2,076
Fort Benning$1,998
Camp Lejeune$1,989
Fort Riley$1,842
San Antonio (JBSA) is #13 of 17. The spread between
the dearest and cheapest station at this grade is $2,652 a month —
$31,824 a year, untaxed.
Every pay grade at San Antonio (JBSA)0 – $2,112 / month
E-1$1,359
E-2$1,359
E-3$1,359
E-4$1,359
E-5$1,500
E-6$1,596
E-7$1,731
E-8$1,920
E-9$1,977
W-1$1,692
W-2$1,917
W-3$1,986
W-4$2,085
W-5$2,097
O-1E$1,866
O-2E$1,965
O-3E$2,082
O-1$1,584
O-2$1,827
O-3$2,007
O-4$2,088
O-5$2,100
O-6$2,103
O-7$2,112
Promoting to O-5 here adds $12 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 San Antonio (JBSA) to Camp Pendleton at O-4 is worth $2,406 a month — about 201 promotions worth of housing allowance, at $12 per grade here.
02
Dependency status is worth 10% 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. $2,088 a month of BAH takes more than $2,088 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.