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-6 without dependents at San Diego draws $4,494 per month in 2026

    Permalinkbahratedesk.com/san-diego/o-6/without/ExcelCSVDownloads cover this station.
    San Diego, CA
    O-6 · without dependents
    $4,494/ month
    $53,928 / year
    At O-6, this is #19 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,665
    MHA CA038 · ZIPs 91901 91902 91903 91905 91906 91908 +155 more
    Your grade is calledARMYCOLUSMCColNAVYCAPTUSAFCol
    Untaxed — matching it with taxable pay takes$5,762 / mo gross
    Other dependency status here$5,541 with dependents
    In government quarters, no dependents$50.10 / mo partial
    MHA

    One MHA covers the county — 32nd Street, Coronado, North Island, Miramar and MCRD all draw the same rate.

    San Diego — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,666$2,763
    E-2$3,666$2,763
    E-3$3,666$2,763
    E-4$3,666$2,763
    E-5$3,975$3,147
    E-6$4,404$3,387
    E-7$4,446$3,678
    E-8$4,488$4,065
    E-9$4,671$4,188
    Warrant officer
    W-1$4,425$3,564
    W-2$4,464$4,062
    W-3$4,521$4,206
    W-4$4,731$4,410
    W-5$4,992$4,455
    Officer — prior enlisted
    O-1E$4,449$3,972
    O-2E$4,506$4,161
    O-3E$4,770$4,398
    Officer
    O-1$4,032$3,351
    O-2$4,401$3,873
    O-3$4,518$4,248
    O-4$5,082$4,440
    O-5$5,493$4,458
    O-6$5,541$4,494
    O-7$5,586$4,575
    PCS compareSan Diego · O-6 · $4,494/mo
    Aberdeen Proving Grounds$3,054/mo · $36,648/yr
    ▼ CUT−$1,440−$17,280/yr · like −$22,154 of salary

    What this rate means

    O-6 without dependents, every station0 – $6,633 / month
    Westchester County$6,633
    Maui County$5,565
    San Francisco$5,532
    New York City$5,514
    Nantucket$5,424
    Santa Clara County$5,178
    Boston$5,148
    Northern New Jersey$5,073
    Long Island$5,043
    Martha's Vineyard$5,010
    Florida Keys$4,863
    Monterey$4,821
    Hanscom AFB$4,752
    Kauai County$4,647
    Camp Pendleton$4,641
    Staten Island$4,539
    Essex CO$4,524
    Los Angeles$4,509
    San Diego$4,494
    Portsmouth$4,455
    Miami$4,425
    Honolulu County$4,413
    Cape Cod-Plymouth$4,404
    West Point$4,362
    Trenton$4,344
    Oakland$4,341
    Fort Monmouth$4,314
    Portland$4,251
    Manchester$4,224
    Perth Amboy$4,221
    Seattle$4,200
    San Luis Obispo$4,197
    Ventura$4,194
    Burlington$4,188
    Marin$4,128
    Newport$4,125
    Fitchburg$4,047
    Washington$3,999
    Providence$3,996
    West Palm Beach$3,960
    Hawaii County$3,921
    New Haven$3,822
    County Cost Group 890$3,810
    Brunswick$3,762
    Vandenberg SFB$3,759
    Hartford$3,744
    Worcester$3,738
    Chicago$3,714
    Boulder$3,693
    Santa Fe$3,693
    Riverside$3,684
    Indian Head Navordsta$3,651
    Warrenton$3,648
    Atlantic City$3,606
    Juneau$3,573
    Everett$3,549
    JB McGuire-Dix-Lakehurst$3,531
    Vallejo$3,516
    County Cost Group 880$3,471
    Sitka$3,444
    Austin$3,435
    Annapolis$3,417
    Hampden County$3,414
    Madison$3,414
    Willow Grove$3,411
    Eglin AFB$3,393
    San Bernardino$3,393
    Fort G. G. Meade$3,390
    JB Elmendorf-Richardson$3,348
    Ann Arbor$3,339
    Ketchikan$3,315
    Quantico$3,306
    Stockton$3,294
    New London$3,288
    County Cost Group 870$3,252
    Edwards AFB$3,240
    Fort Detrick$3,234
    Ballston Spa$3,219
    Astoria$3,198
    Denver$3,186
    Milwaukee$3,177
    Cape May$3,165
    Kodiak Island$3,156
    Baltimore$3,138
    Beale AFB$3,138
    Fort Myers Beach$3,111
    JB Lewis-McChord$3,102
    Whidbey Island$3,090
    County Cost Group 860$3,072
    Outer Banks$3,066
    Fort Pierce$3,060
    Port Angeles$3,060
    Tampa$3,060
    Aberdeen Proving Grounds$3,054
    Traverse City$3,051
    Dover AFB$3,039
    Bremerton$3,027
    Charlottesville$3,027
    Sacramento$3,015
    Portland$3,012
    Great Lakes Navtracen$3,000
    Bridgeport$2,997
    Philadelphia$2,988
    County Cost Group 850$2,982
    Orlando$2,973
    Oxford$2,964
    Fairbanks$2,922
    Fresno$2,916
    Patrick SFB$2,895
    Minneapolis$2,889
    County Cost Group 840$2,886
    Knoxville$2,886
    Rome$2,859
    Allentown$2,856
    Coastal Maine$2,850
    Corvallis$2,850
    Beaufort$2,835
    Abilene$2,832
    Dallas$2,829
    Spokane$2,826
    Dahlgren$2,823
    Humboldt County$2,823
    Asheville$2,817
    County Cost Group 830$2,808
    Syracuse$2,796
    Twenty Nine Palms MCB$2,796
    Fort Collins$2,787
    Reno$2,778
    Nashville$2,760
    Detroit$2,757
    Buffalo$2,754
    Helena$2,754
    Patuxent River$2,751
    Eugene$2,748
    Richmond$2,739
    St. Louis$2,739
    Rochester$2,736
    Barstow$2,730
    Salt Lake City$2,727
    Savannah$2,721
    Atlanta$2,718
    County Cost Group 820$2,712
    Charleston$2,697
    Panama City$2,691
    Salem$2,691
    Coos Bay$2,685
    Yakima$2,685
    Gainesville$2,679
    Houston$2,679
    Norfolk$2,673
    College Station$2,667
    El Centro$2,652
    Elizabeth City$2,643
    Pittsburgh$2,616
    Volusia County$2,613
    Wilmington$2,607
    County Cost Group 810$2,604
    Cincinnati$2,583
    Omaha$2,583
    Fort Stewart$2,577
    Fort Carson$2,574
    Tallahassee$2,565
    Columbus$2,562
    State College$2,562
    Birmingham$2,538
    Carlisle Barracks$2,538
    Grand Haven$2,532
    New Orleans$2,532
    Dahlonega$2,523
    Provo$2,511
    Bangor$2,502
    Myrtle Beach$2,502
    Chattanooga$2,499
    Durham$2,496
    Battle Creek$2,493
    County Cost Group 800$2,490
    Fargo$2,490
    Jackson$2,484
    Fort Campbell$2,478
    Phoenix$2,466
    Eastern Panhandle$2,457
    Fort Drum$2,457
    Rapid City$2,457
    Bloomington$2,454
    Corpus Christi$2,454
    Hampton$2,451
    Charlotte$2,448
    Cleveland$2,436
    Fort Worth$2,433
    Lemoore NAS$2,430
    Cheyenne$2,424
    Grand Rapids$2,421
    Ocala$2,418
    Des Moines$2,415
    County Cost Group 790$2,412
    Fort Knox$2,403
    Morehead$2,403
    Auburn$2,400
    Kings Bay$2,400
    Eastern Shore$2,385
    Albuquerque$2,376
    Fort Leavenworth$2,376
    Louisville$2,373
    Marquette$2,370
    Raleigh$2,370
    Nellis AFB$2,361
    Waco$2,361
    Bismarck$2,349
    Boise$2,349
    Duluth$2,349
    Jacksonville$2,343
    Fayetteville$2,340
    Ogden$2,340
    County Cost Group 780$2,328
    Memphis$2,328
    Fort Hood$2,325
    Johnson City$2,325
    Fallon NAS$2,304
    Mountain Home AFB$2,304
    Wichita Fls$2,304
    Kansas City$2,289
    Indianapolis$2,286
    Roanoke$2,280
    Rock Island$2,277
    County Cost Group 770$2,259
    Lincoln$2,259
    Malmstrom SFB$2,253
    Fort Rucker$2,247
    Pensacola$2,247
    Shreveport$2,247
    Greensboro$2,238
    Fort Gordon$2,226
    Whiteman AFB$2,226
    Scott AFB$2,214
    Columbia$2,211
    Seymour Johnson AFB$2,208
    Fort Huachuca$2,205
    Huntsville$2,205
    Baton Rouge$2,202
    County Cost Group 760$2,184
    Fort Wayne$2,184
    Greenville$2,184
    Lexington$2,181
    Mobile$2,181
    Robins AFB$2,181
    Fort Bliss$2,178
    Goodfellow AFB$2,178
    Grand Forks$2,178
    Davis-Monthan AFB$2,175
    Toledo$2,175
    Columbus AFB$2,160
    Fort Bragg$2,154
    Minot AFB$2,154
    Brownsville$2,151
    China Lake$2,136
    County Cost Group 750$2,133
    Champaign$2,130
    Lansing$2,130
    Laughlin AFB$2,130
    Frankfort$2,115
    Lexington$2,109
    Columbia$2,106
    San Antonio (JBSA)$2,103
    Tulsa$2,091
    Sioux Falls$2,085
    County Cost Group 740$2,079
    Wright-Patterson AFB$2,079
    Camp Lejeune$2,064
    Wilkes-Barre$2,064
    White Sands MR$2,061
    Akron$2,052
    County Cost Group 730$2,043
    Topeka$2,043
    Fort Benning$2,034
    Paducah$2,034
    Sumter$2,031
    Yuma$2,031
    Gulfport$2,025
    Peoria$2,022
    County Cost Group 720$2,019
    Lafayette$2,019
    Fort Leonard Wood$2,013
    Morgantown$2,010
    Terre Haute$2,007
    Springfield$2,004
    County Cost Group 710$1,998
    St Mary And Terrebonne$1,992
    Springfield$1,983
    Moody AFB$1,980
    County Cost Group 700$1,977
    Lubbock$1,968
    Little Rock$1,965
    County Cost Group 690$1,962
    Lake Charles$1,962
    Sault Ste Marie$1,959
    Oklahoma City$1,953
    County Cost Group 680$1,947
    Fort Chaffee$1,944
    County Cost Group 670$1,938
    Meridian$1,938
    Montgomery$1,938
    Fort Riley$1,935
    Alexandria$1,932
    Beaumont$1,929
    County Cost Group 660$1,926
    Wichita$1,920
    County Cost Group 650$1,917
    Fort Polk$1,917
    Albany$1,914
    County Cost Group 640$1,908
    Sparta$1,902
    County Cost Group 630$1,899
    Huntington$1,896
    County Cost Group 620$1,890
    Holloman AFB$1,887
    County Cost Group 610$1,881
    County Cost Group 600$1,875
    Charleston$1,860
    County Cost Group 590$1,860
    Cannon AFB$1,857
    Erie$1,851
    County Cost Group 580$1,848
    Hattiesburg$1,848
    County Cost Group 570$1,836
    County Cost Group 560$1,827
    Vance AFB$1,824
    Saginaw$1,821
    Altus AFB$1,815
    County Cost Group 550$1,815
    County Cost Group 540$1,806
    County Cost Group 530$1,800
    County Cost Group 520$1,794
    County Cost Group 510$1,791
    Youngstown$1,752
    Fort Sill$1,740
    Stevens Point$1,719
    Monroe$1,707
    Anniston$1,665

    San Diego is #19 of 338. The spread between the dearest and cheapest station at this grade is $4,968 a month — $59,616 a year, untaxed.

    Every pay grade at San Diego0 – $4,575 / month
    E-1$2,763
    E-2$2,763
    E-3$2,763
    E-4$2,763
    E-5$3,147
    E-6$3,387
    E-7$3,678
    E-8$4,065
    E-9$4,188
    W-1$3,564
    W-2$4,062
    W-3$4,206
    W-4$4,410
    W-5$4,455
    O-1E$3,972
    O-2E$4,161
    O-3E$4,398
    O-1$3,351
    O-2$3,873
    O-3$4,248
    O-4$4,440
    O-5$4,458
    O-6$4,494
    O-7$4,575

    Promoting to O-7 here adds $81 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 Diego to Westchester County at O-6 is worth $2,139 a month — about 26 promotions worth of housing allowance, at $81 per grade here.

    02

    Dependency status is worth 23% 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. $4,494 a month of BAH takes more than $4,494 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.