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 without dependents at San Antonio (JBSA) draws $2,082 per month in 2026

    Permalinkbahratedesk.com/san-antonio/o-3e/without/ExcelCSVDownloads cover this station.
    San Antonio, TX
    O-3E · without dependents
    $2,082/ month
    $24,984 / year
    At O-3E, this is #226 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA TX285 · ZIPs 78002 78023 78054 78069 78070 78073 +107 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,669 / mo gross
    Other dependency status here$2,196 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.

    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 · $2,082/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▲ RAISE+$651+$7,812/yr · like +$10,015 of salary

    What this rate means

    O-3E without dependents, every station0 – $5,445 / month
    San Francisco$5,445
    Westchester County$5,361
    Nantucket$5,121
    New York City$5,115
    Northern New Jersey$5,043
    Santa Clara County$4,971
    Boston$4,818
    Long Island$4,764
    Maui County$4,764
    Martha's Vineyard$4,587
    Hanscom AFB$4,470
    San Diego$4,398
    Camp Pendleton$4,392
    Kauai County$4,260
    Staten Island$4,209
    Los Angeles$4,179
    West Point$4,113
    Oakland$4,107
    Fort Monmouth$4,074
    Perth Amboy$4,065
    Florida Keys$4,044
    Ventura$4,002
    Cape Cod-Plymouth$3,987
    Trenton$3,966
    San Luis Obispo$3,942
    Honolulu County$3,903
    Seattle$3,900
    Monterey$3,861
    Hawaii County$3,828
    Marin$3,813
    Miami$3,780
    Washington$3,753
    Burlington$3,735
    Essex CO$3,735
    New Haven$3,717
    Chicago$3,693
    Portsmouth$3,684
    Vandenberg SFB$3,633
    West Palm Beach$3,594
    Portland$3,567
    Riverside$3,537
    Manchester$3,516
    County Cost Group 890$3,513
    Vallejo$3,486
    Fitchburg$3,462
    Providence$3,447
    Newport$3,441
    JB McGuire-Dix-Lakehurst$3,438
    Santa Fe$3,408
    Willow Grove$3,393
    Worcester$3,384
    San Bernardino$3,369
    Warrenton$3,369
    Indian Head Navordsta$3,366
    Boulder$3,336
    Juneau$3,333
    Hartford$3,324
    Atlantic City$3,285
    Fort G. G. Meade$3,270
    Everett$3,237
    Annapolis$3,219
    County Cost Group 880$3,195
    Sitka$3,189
    Quantico$3,165
    Edwards AFB$3,150
    Beale AFB$3,120
    Ann Arbor$3,072
    Cape May$3,066
    New London$3,066
    Denver$3,054
    Fort Detrick$3,054
    Tampa$3,036
    County Cost Group 870$2,991
    Philadelphia$2,970
    Sacramento$2,964
    Orlando$2,952
    Outer Banks$2,937
    Stockton$2,925
    JB Lewis-McChord$2,913
    Fort Myers Beach$2,910
    Baltimore$2,895
    Madison$2,880
    Patrick SFB$2,877
    Brunswick$2,859
    JB Elmendorf-Richardson$2,853
    Port Angeles$2,853
    Ballston Spa$2,850
    Ketchikan$2,847
    Hampden County$2,844
    Kodiak Island$2,844
    Allentown$2,835
    County Cost Group 860$2,820
    Fresno$2,820
    Fort Pierce$2,817
    Abilene$2,814
    Oxford$2,808
    Beaufort$2,805
    Bridgeport$2,799
    Dallas$2,799
    Austin$2,796
    Traverse City$2,796
    Astoria$2,790
    Minneapolis$2,769
    Great Lakes Navtracen$2,751
    Portland$2,745
    Whidbey Island$2,739
    County Cost Group 850$2,736
    Aberdeen Proving Grounds$2,733
    Rome$2,733
    Bremerton$2,724
    Charlottesville$2,706
    Corvallis$2,706
    Dahlgren$2,706
    Atlanta$2,700
    Coastal Maine$2,691
    Milwaukee$2,685
    Reno$2,670
    Nashville$2,667
    County Cost Group 840$2,646
    St. Louis$2,646
    Knoxville$2,643
    Savannah$2,643
    Richmond$2,619
    Charleston$2,607
    Eglin AFB$2,601
    Pittsburgh$2,598
    Detroit$2,574
    County Cost Group 830$2,571
    Asheville$2,562
    Elizabeth City$2,547
    Norfolk$2,547
    Spokane$2,547
    Buffalo$2,544
    Twenty Nine Palms MCB$2,544
    Patuxent River$2,535
    Helena$2,529
    Fort Collins$2,523
    Birmingham$2,517
    Cincinnati$2,517
    Houston$2,508
    Rochester$2,508
    Dahlonega$2,505
    Wilmington$2,496
    Volusia County$2,484
    County Cost Group 820$2,481
    Dover AFB$2,481
    Eugene$2,472
    Grand Haven$2,472
    Phoenix$2,445
    Panama City$2,433
    Charlotte$2,427
    Fort Stewart$2,427
    Barstow$2,424
    Fort Carson$2,418
    Fairbanks$2,415
    Fort Worth$2,415
    Cleveland$2,412
    Hampton$2,409
    Ocala$2,397
    Grand Rapids$2,394
    Chattanooga$2,391
    Salem$2,391
    College Station$2,385
    Durham$2,382
    County Cost Group 810$2,379
    Syracuse$2,376
    Yakima$2,376
    Carlisle Barracks$2,367
    New Orleans$2,367
    Omaha$2,367
    Battle Creek$2,364
    Myrtle Beach$2,352
    Salt Lake City$2,349
    Gainesville$2,346
    Fargo$2,331
    Duluth$2,325
    Albuquerque$2,316
    Humboldt County$2,316
    Raleigh$2,310
    Memphis$2,307
    Eastern Shore$2,304
    County Cost Group 800$2,274
    Boise$2,268
    State College$2,268
    Lemoore NAS$2,265
    Louisville$2,265
    Eastern Panhandle$2,244
    Columbus$2,232
    Rock Island$2,232
    Jacksonville$2,229
    Pensacola$2,226
    Provo$2,217
    Ogden$2,214
    Cheyenne$2,211
    Corpus Christi$2,211
    Coos Bay$2,208
    County Cost Group 790$2,202
    Des Moines$2,202
    Indianapolis$2,202
    Rapid City$2,202
    Bismarck$2,196
    Nellis AFB$2,196
    Fort Huachuca$2,187
    Baton Rouge$2,184
    Mountain Home AFB$2,181
    Kansas City$2,163
    Kings Bay$2,160
    Jackson$2,154
    Toledo$2,154
    Fort Gordon$2,148
    Fort Bliss$2,142
    Lexington$2,142
    El Centro$2,139
    Fort Knox$2,130
    Fort Leavenworth$2,124
    County Cost Group 780$2,121
    Fort Wayne$2,118
    Johnson City$2,118
    Columbia$2,109
    Davis-Monthan AFB$2,109
    Wichita Fls$2,106
    Lincoln$2,103
    Greensboro$2,100
    Fort Campbell$2,091
    Waco$2,091
    San Antonio (JBSA)$2,082
    Greenville$2,070
    Huntsville$2,070
    Roanoke$2,067
    Mobile$2,064
    County Cost Group 770$2,058
    Tallahassee$2,052
    Bangor$2,040
    Fort Bragg$2,040
    Morehead$2,034
    Fayetteville$2,031
    Sioux Falls$2,019
    Shreveport$2,016
    Bloomington$2,004
    Marquette$1,998
    Grand Forks$1,995
    Columbus AFB$1,992
    Scott AFB$1,992
    Lexington$1,989
    County Cost Group 760$1,986
    Champaign$1,974
    Lansing$1,974
    Minot AFB$1,974
    Fort Benning$1,968
    Seymour Johnson AFB$1,944
    Sumter$1,941
    County Cost Group 750$1,938
    Camp Lejeune$1,935
    Tulsa$1,935
    Little Rock$1,929
    Whiteman AFB$1,923
    Akron$1,920
    Fort Drum$1,920
    Auburn$1,917
    White Sands MR$1,917
    Beaumont$1,911
    Moody AFB$1,911
    Sault Ste Marie$1,911
    Fort Hood$1,908
    Morgantown$1,908
    County Cost Group 740$1,887
    Wilkes-Barre$1,875
    Paducah$1,869
    Robins AFB$1,866
    Holloman AFB$1,860
    Topeka$1,857
    County Cost Group 730$1,854
    Brownsville$1,851
    Peoria$1,851
    Springfield$1,851
    Oklahoma City$1,842
    Sparta$1,839
    Wright-Patterson AFB$1,839
    Lafayette$1,833
    Yuma$1,833
    County Cost Group 720$1,830
    Fort Polk$1,827
    Goodfellow AFB$1,827
    Springfield$1,815
    Terre Haute$1,815
    County Cost Group 710$1,809
    Frankfort$1,809
    Malmstrom SFB$1,809
    Fallon NAS$1,806
    Lubbock$1,803
    Fort Rucker$1,797
    County Cost Group 700$1,791
    County Cost Group 690$1,776
    Fort Riley$1,776
    Huntington$1,770
    County Cost Group 680$1,764
    Charleston$1,758
    China Lake$1,755
    County Cost Group 670$1,755
    Montgomery$1,746
    County Cost Group 660$1,743
    Saginaw$1,740
    County Cost Group 650$1,734
    Laughlin AFB$1,731
    County Cost Group 640$1,725
    County Cost Group 630$1,719
    Fort Leonard Wood$1,713
    County Cost Group 620$1,710
    County Cost Group 610$1,701
    Stevens Point$1,701
    County Cost Group 600$1,695
    Columbia$1,686
    County Cost Group 590$1,683
    Wichita$1,683
    Fort Chaffee$1,674
    Alexandria$1,671
    County Cost Group 580$1,671
    Erie$1,668
    County Cost Group 570$1,659
    County Cost Group 560$1,650
    Gulfport$1,650
    St Mary And Terrebonne$1,650
    County Cost Group 550$1,641
    County Cost Group 540$1,632
    County Cost Group 530$1,626
    Monroe$1,623
    County Cost Group 520$1,620
    County Cost Group 510$1,617
    Lake Charles$1,617
    Cannon AFB$1,584
    Albany$1,554
    Altus AFB$1,554
    Meridian$1,554
    Hattiesburg$1,512
    Vance AFB$1,503
    Anniston$1,482
    Fort Sill$1,482
    Youngstown$1,347

    San Antonio (JBSA) is #226 of 338. The spread between the dearest and cheapest station at this grade is $4,098 a month — $49,176 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

    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. $2,082 a month of BAH takes more than $2,082 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.