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-7 with dependents at San Antonio (JBSA) draws $2,490 per month in 2026

    Permalinkbahratedesk.com/san-antonio/o-7/with/ExcelCSVDownloads cover this station.
    San Antonio, TX
    O-7 · with dependents
    $2,490/ month
    $29,880 / year
    At O-7, this is #289 of 338 stations loaded · high Westchester County $8,208 · low Youngstown $1,845
    MHA TX285 · ZIPs 78002 78023 78054 78069 78070 78073 +107 more
    Your grade is calledARMYBGUSMCBGenNAVYRDMLUSAFBrig Gen
    Untaxed — matching it with taxable pay takes$3,192 / mo gross
    Other dependency status here$2,112 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-7 · $2,490/mo
    Aberdeen Proving Grounds$3,687/mo · $44,244/yr
    ▲ RAISE+$1,197+$14,364/yr · like +$18,415 of salary

    What this rate means

    O-7 with dependents, every station0 – $8,208 / month
    Westchester County$8,208
    New York City$7,254
    San Francisco$7,215
    Nantucket$7,053
    Boston$6,594
    Maui County$6,489
    Santa Clara County$6,441
    Florida Keys$6,321
    Hanscom AFB$6,192
    Northern New Jersey$6,093
    Kauai County$5,991
    Essex CO$5,952
    Long Island$5,922
    Miami$5,862
    Martha's Vineyard$5,742
    Monterey$5,658
    San Diego$5,586
    Los Angeles$5,526
    San Luis Obispo$5,520
    Camp Pendleton$5,484
    Staten Island$5,484
    Portsmouth$5,445
    Trenton$5,424
    West Point$5,340
    Portland$5,322
    Cape Cod-Plymouth$5,283
    Oakland$5,220
    Fort Monmouth$5,067
    Fitchburg$5,049
    Honolulu County$5,040
    Perth Amboy$5,007
    Marin$4,944
    Burlington$4,935
    Seattle$4,875
    Ventura$4,866
    West Palm Beach$4,860
    Manchester$4,782
    Washington$4,770
    Worcester$4,761
    Newport$4,743
    Warrenton$4,674
    New Haven$4,665
    Providence$4,608
    County Cost Group 890$4,605
    Hartford$4,467
    Vandenberg SFB$4,425
    Atlantic City$4,365
    Indian Head Navordsta$4,344
    Hawaii County$4,332
    Boulder$4,287
    County Cost Group 880$4,203
    Ann Arbor$4,191
    JB McGuire-Dix-Lakehurst$4,188
    Annapolis$4,164
    JB Elmendorf-Richardson$4,161
    Austin$4,161
    Chicago$4,152
    Juneau$4,140
    Quantico$4,128
    Stockton$4,110
    Santa Fe$4,086
    Fort G. G. Meade$4,077
    Ketchikan$4,065
    Riverside$4,065
    Madison$4,056
    Hampden County$4,038
    Cape May$4,032
    Everett$3,999
    Willow Grove$3,999
    Vallejo$3,987
    New London$3,966
    Brunswick$3,957
    County Cost Group 870$3,945
    Edwards AFB$3,900
    Kodiak Island$3,891
    Milwaukee$3,888
    Fort Detrick$3,864
    San Bernardino$3,855
    Ballston Spa$3,834
    Corvallis$3,828
    Sitka$3,825
    Philadelphia$3,816
    Asheville$3,780
    Baltimore$3,768
    Portland$3,759
    Outer Banks$3,753
    Astoria$3,729
    County Cost Group 860$3,729
    Oxford$3,720
    Fort Pierce$3,702
    Great Lakes Navtracen$3,702
    Aberdeen Proving Grounds$3,687
    Eglin AFB$3,669
    Denver$3,642
    County Cost Group 850$3,624
    Detroit$3,609
    Charlottesville$3,594
    Dahlgren$3,588
    Bridgeport$3,579
    Sacramento$3,576
    College Station$3,567
    Fort Myers Beach$3,555
    Beale AFB$3,546
    Knoxville$3,543
    JB Lewis-McChord$3,525
    Allentown$3,516
    County Cost Group 840$3,510
    Beaufort$3,489
    Port Angeles$3,489
    Fresno$3,465
    Bremerton$3,462
    Pittsburgh$3,459
    Fairbanks$3,456
    Whidbey Island$3,453
    Tampa$3,441
    Traverse City$3,441
    Minneapolis$3,435
    County Cost Group 830$3,417
    Reno$3,408
    Eugene$3,375
    Buffalo$3,372
    Norfolk$3,366
    Wilmington$3,351
    Patuxent River$3,348
    Twenty Nine Palms MCB$3,342
    Houston$3,336
    Humboldt County$3,336
    Gainesville$3,324
    Patrick SFB$3,315
    Elizabeth City$3,312
    St. Louis$3,309
    County Cost Group 820$3,303
    Orlando$3,303
    Savannah$3,297
    Rome$3,291
    Yakima$3,291
    Abilene$3,282
    Durham$3,279
    Helena$3,279
    Omaha$3,279
    Richmond$3,276
    Salem$3,276
    Bloomington$3,273
    Rochester$3,270
    Cleveland$3,267
    Nashville$3,264
    Chattanooga$3,249
    Syracuse$3,246
    Spokane$3,243
    Dallas$3,237
    Coastal Maine$3,228
    State College$3,228
    Fort Collins$3,210
    Barstow$3,189
    County Cost Group 810$3,174
    Fort Stewart$3,174
    Coos Bay$3,162
    Hampton$3,144
    Tallahassee$3,144
    Salt Lake City$3,141
    Waco$3,138
    Jackson$3,129
    Dover AFB$3,123
    Carlisle Barracks$3,114
    Cincinnati$3,105
    New Orleans$3,105
    Panama City$3,105
    Charleston$3,081
    Eastern Panhandle$3,072
    Fort Campbell$3,048
    County Cost Group 800$3,039
    Myrtle Beach$3,027
    El Centro$3,018
    Battle Creek$3,015
    Louisville$3,015
    Volusia County$3,012
    Atlanta$3,006
    Corpus Christi$3,006
    Wichita Fls$2,997
    Columbus$2,991
    Grand Rapids$2,988
    Fort Knox$2,985
    Auburn$2,976
    Scott AFB$2,970
    Ocala$2,961
    Cheyenne$2,955
    Fort Carson$2,955
    Grand Haven$2,955
    Kings Bay$2,955
    County Cost Group 790$2,949
    Fargo$2,946
    Des Moines$2,943
    Mountain Home AFB$2,943
    Provo$2,943
    Morehead$2,940
    Johnson City$2,937
    Dahlonega$2,934
    Albuquerque$2,910
    Rock Island$2,910
    Kansas City$2,889
    Rapid City$2,889
    Fayetteville$2,886
    Lexington$2,880
    Lemoore NAS$2,874
    Birmingham$2,865
    Champaign$2,859
    Eastern Shore$2,859
    Lansing$2,859
    Laughlin AFB$2,859
    Bangor$2,853
    Marquette$2,850
    Toledo$2,850
    County Cost Group 780$2,847
    Duluth$2,847
    Fort Worth$2,832
    Fort Gordon$2,826
    Roanoke$2,826
    Fort Drum$2,823
    Shreveport$2,817
    Nellis AFB$2,814
    Phoenix$2,814
    Tulsa$2,805
    Boise$2,802
    Baton Rouge$2,787
    Fort Hood$2,787
    Fort Rucker$2,778
    Jacksonville$2,775
    Raleigh$2,775
    County Cost Group 770$2,769
    Mobile$2,766
    Fort Wayne$2,763
    Columbia$2,760
    Malmstrom SFB$2,760
    Brownsville$2,757
    Akron$2,751
    Ogden$2,751
    Whiteman AFB$2,751
    Robins AFB$2,745
    Wright-Patterson AFB$2,742
    Paducah$2,730
    Grand Forks$2,718
    Wilkes-Barre$2,712
    Lincoln$2,703
    China Lake$2,694
    Terre Haute$2,691
    Greenville$2,685
    Seymour Johnson AFB$2,685
    Springfield$2,685
    County Cost Group 760$2,679
    Memphis$2,679
    Lexington$2,670
    Greensboro$2,664
    Fallon NAS$2,661
    Gulfport$2,658
    Topeka$2,655
    Fort Bragg$2,646
    Morgantown$2,646
    Pensacola$2,646
    Huntsville$2,640
    Lubbock$2,637
    Little Rock$2,634
    Sault Ste Marie$2,628
    Fort Leavenworth$2,625
    Sumter$2,625
    Moody AFB$2,622
    Columbia$2,619
    County Cost Group 750$2,616
    Charlotte$2,610
    Montgomery$2,598
    St Mary And Terrebonne$2,598
    Indianapolis$2,592
    Beaumont$2,589
    Camp Lejeune$2,586
    Davis-Monthan AFB$2,583
    Albany$2,568
    County Cost Group 740$2,553
    Sioux Falls$2,544
    Minot AFB$2,541
    Alexandria$2,529
    Columbus AFB$2,526
    Lafayette$2,517
    County Cost Group 730$2,511
    Fort Huachuca$2,511
    Fort Benning$2,502
    Lake Charles$2,502
    Charleston$2,496
    Fort Bliss$2,496
    Peoria$2,493
    San Antonio (JBSA)$2,490
    Yuma$2,487
    County Cost Group 720$2,481
    Wichita$2,478
    County Cost Group 710$2,454
    Goodfellow AFB$2,448
    Vance AFB$2,445
    Springfield$2,442
    County Cost Group 700$2,433
    County Cost Group 690$2,412
    Meridian$2,412
    Bismarck$2,409
    Holloman AFB$2,406
    Fort Chaffee$2,400
    Hattiesburg$2,400
    County Cost Group 680$2,397
    White Sands MR$2,388
    County Cost Group 670$2,385
    Altus AFB$2,373
    County Cost Group 660$2,370
    Oklahoma City$2,367
    County Cost Group 650$2,358
    Fort Riley$2,352
    County Cost Group 640$2,349
    County Cost Group 630$2,340
    County Cost Group 620$2,328
    County Cost Group 610$2,319
    County Cost Group 600$2,310
    Fort Sill$2,298
    County Cost Group 590$2,295
    Fort Polk$2,289
    County Cost Group 580$2,280
    County Cost Group 570$2,265
    County Cost Group 560$2,253
    Erie$2,253
    Fort Leonard Wood$2,250
    Sparta$2,250
    County Cost Group 550$2,241
    County Cost Group 540$2,232
    Frankfort$2,226
    County Cost Group 530$2,223
    County Cost Group 520$2,217
    Huntington$2,217
    County Cost Group 510$2,211
    Anniston$2,142
    Monroe$2,064
    Saginaw$2,031
    Stevens Point$2,022
    Cannon AFB$1,968
    Youngstown$1,845

    San Antonio (JBSA) is #289 of 338. The spread between the dearest and cheapest station at this grade is $6,363 a month — $76,356 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 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. $2,490 a month of BAH takes more than $2,490 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.