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 Antonio (JBSA) draws $2,103 per month in 2026

    Permalinkbahratedesk.com/san-antonio/o-6/without/ExcelCSVDownloads cover this station.
    San Antonio, TX
    O-6 · without dependents
    $2,103/ month
    $25,236 / year
    At O-6, this is #263 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,665
    MHA TX285 · ZIPs 78002 78023 78054 78069 78070 78073 +107 more
    Your grade is calledARMYCOLUSMCColNAVYCAPTUSAFCol
    Untaxed — matching it with taxable pay takes$2,696 / mo gross
    Other dependency status here$2,475 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-6 · $2,103/mo
    Aberdeen Proving Grounds$3,054/mo · $36,648/yr
    ▲ RAISE+$951+$11,412/yr · like +$14,631 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 Antonio (JBSA) is #263 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 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-7 here adds $9 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 Westchester County at O-6 is worth $4,530 a month — about 503 promotions worth of housing allowance, at $9 per grade here.

    02

    Dependency status is worth 18% 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. $2,103 a month of BAH takes more than $2,103 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.