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

    W-3 with dependents at San Antonio (JBSA) draws $2,130 per month in 2026

    Permalinkbahratedesk.com/san-antonio/w-3/with/ExcelCSVDownloads cover this station.
    San Antonio, TX
    W-3 · with dependents
    $2,130/ month
    $25,560 / year
    At W-3, this is #261 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA TX285 · ZIPs 78002 78023 78054 78069 78070 78073 +107 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$2,731 / mo gross
    Other dependency status here$1,986 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) · W-3 · $2,130/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▲ RAISE+$945+$11,340/yr · like +$14,538 of salary

    What this rate means

    W-3 with dependents, every station0 – $6,654 / month
    Westchester County$6,654
    Maui County$5,586
    San Francisco$5,559
    New York City$5,535
    Nantucket$5,445
    Santa Clara County$5,202
    Boston$5,169
    Northern New Jersey$5,097
    Long Island$5,064
    Martha's Vineyard$5,031
    Florida Keys$4,884
    Monterey$4,842
    Hanscom AFB$4,773
    Kauai County$4,668
    Camp Pendleton$4,662
    Staten Island$4,560
    Essex CO$4,545
    Los Angeles$4,530
    San Diego$4,521
    Portsmouth$4,476
    Miami$4,446
    Honolulu County$4,434
    Cape Cod-Plymouth$4,425
    West Point$4,383
    Oakland$4,365
    Trenton$4,365
    Fort Monmouth$4,335
    Portland$4,272
    Manchester$4,245
    Perth Amboy$4,242
    Seattle$4,221
    San Luis Obispo$4,218
    Ventura$4,215
    Burlington$4,209
    Marin$4,149
    Newport$4,146
    Fitchburg$4,068
    Washington$4,023
    Providence$4,017
    West Palm Beach$3,981
    Hawaii County$3,948
    New Haven$3,846
    County Cost Group 890$3,831
    Brunswick$3,783
    Vandenberg SFB$3,783
    Hartford$3,765
    Worcester$3,759
    Chicago$3,741
    Boulder$3,714
    Santa Fe$3,714
    Riverside$3,708
    Indian Head Navordsta$3,672
    Warrenton$3,669
    Atlantic City$3,627
    Juneau$3,597
    Everett$3,570
    JB McGuire-Dix-Lakehurst$3,555
    Vallejo$3,540
    County Cost Group 880$3,492
    Sitka$3,465
    Austin$3,456
    Annapolis$3,441
    Willow Grove$3,441
    Hampden County$3,435
    Madison$3,435
    San Bernardino$3,417
    Eglin AFB$3,414
    Fort G. G. Meade$3,414
    JB Elmendorf-Richardson$3,369
    Ann Arbor$3,360
    Ketchikan$3,336
    Quantico$3,330
    Stockton$3,315
    New London$3,309
    County Cost Group 870$3,273
    Edwards AFB$3,267
    Fort Detrick$3,258
    Ballston Spa$3,240
    Astoria$3,219
    Denver$3,210
    Milwaukee$3,198
    Cape May$3,189
    Kodiak Island$3,177
    Beale AFB$3,168
    Baltimore$3,159
    Fort Myers Beach$3,132
    JB Lewis-McChord$3,126
    Whidbey Island$3,111
    County Cost Group 860$3,093
    Outer Banks$3,090
    Port Angeles$3,084
    Tampa$3,084
    Fort Pierce$3,081
    Aberdeen Proving Grounds$3,075
    Traverse City$3,072
    Dover AFB$3,060
    Bremerton$3,048
    Charlottesville$3,048
    Sacramento$3,042
    Portland$3,033
    Bridgeport$3,021
    Great Lakes Navtracen$3,021
    Philadelphia$3,018
    County Cost Group 850$3,006
    Orlando$3,000
    Oxford$2,988
    Fairbanks$2,943
    Fresno$2,940
    Patrick SFB$2,925
    Minneapolis$2,913
    County Cost Group 840$2,910
    Knoxville$2,907
    Allentown$2,883
    Rome$2,883
    Coastal Maine$2,871
    Corvallis$2,868
    Abilene$2,862
    Beaufort$2,859
    Dallas$2,850
    Dahlgren$2,847
    Spokane$2,847
    Humboldt County$2,844
    Asheville$2,838
    County Cost Group 830$2,829
    Syracuse$2,817
    Twenty Nine Palms MCB$2,817
    Fort Collins$2,808
    Reno$2,802
    Nashville$2,787
    Detroit$2,781
    Buffalo$2,775
    Helena$2,775
    Patuxent River$2,772
    Eugene$2,769
    Richmond$2,763
    St. Louis$2,763
    Rochester$2,760
    Barstow$2,751
    Atlanta$2,748
    Salt Lake City$2,748
    Savannah$2,748
    County Cost Group 820$2,733
    Charleston$2,724
    Panama City$2,712
    Salem$2,712
    Coos Bay$2,706
    Yakima$2,706
    Houston$2,703
    Gainesville$2,700
    Norfolk$2,697
    College Station$2,688
    El Centro$2,673
    Elizabeth City$2,670
    Pittsburgh$2,646
    Volusia County$2,637
    Wilmington$2,631
    County Cost Group 810$2,625
    Cincinnati$2,607
    Omaha$2,604
    Fort Stewart$2,601
    Fort Carson$2,598
    Tallahassee$2,586
    Columbus$2,583
    State College$2,583
    Birmingham$2,568
    Carlisle Barracks$2,562
    Grand Haven$2,556
    New Orleans$2,556
    Dahlonega$2,553
    Provo$2,532
    Myrtle Beach$2,526
    Bangor$2,523
    Chattanooga$2,523
    Durham$2,520
    Battle Creek$2,517
    Fargo$2,514
    County Cost Group 800$2,511
    Jackson$2,505
    Fort Campbell$2,499
    Phoenix$2,493
    Eastern Panhandle$2,481
    Corpus Christi$2,478
    Fort Drum$2,478
    Hampton$2,478
    Rapid City$2,478
    Bloomington$2,475
    Charlotte$2,475
    Fort Worth$2,463
    Cleveland$2,460
    Lemoore NAS$2,454
    Cheyenne$2,445
    Grand Rapids$2,442
    Ocala$2,442
    County Cost Group 790$2,436
    Des Moines$2,436
    Fort Knox$2,424
    Morehead$2,424
    Auburn$2,421
    Kings Bay$2,421
    Eastern Shore$2,409
    Albuquerque$2,400
    Fort Leavenworth$2,397
    Louisville$2,397
    Raleigh$2,394
    Marquette$2,391
    Nellis AFB$2,385
    Waco$2,382
    Bismarck$2,373
    Boise$2,373
    Duluth$2,373
    Jacksonville$2,367
    Ogden$2,364
    Fayetteville$2,361
    Memphis$2,355
    County Cost Group 780$2,349
    Fort Hood$2,346
    Johnson City$2,346
    Mountain Home AFB$2,328
    Wichita Fls$2,328
    Fallon NAS$2,325
    Kansas City$2,313
    Indianapolis$2,310
    Roanoke$2,304
    Rock Island$2,301
    County Cost Group 770$2,283
    Lincoln$2,283
    Malmstrom SFB$2,274
    Pensacola$2,274
    Shreveport$2,271
    Fort Rucker$2,268
    Greensboro$2,262
    Fort Gordon$2,253
    Whiteman AFB$2,247
    Columbia$2,235
    Fort Huachuca$2,235
    Baton Rouge$2,232
    Huntsville$2,229
    Seymour Johnson AFB$2,229
    Scott AFB$2,211
    County Cost Group 760$2,208
    Fort Wayne$2,208
    Greenville$2,208
    Lexington$2,208
    Fort Bliss$2,205
    Mobile$2,205
    Davis-Monthan AFB$2,202
    Grand Forks$2,202
    Robins AFB$2,202
    Toledo$2,202
    Goodfellow AFB$2,199
    Columbus AFB$2,184
    Fort Bragg$2,178
    Minot AFB$2,178
    Brownsville$2,172
    China Lake$2,157
    County Cost Group 750$2,157
    Frankfort$2,136
    Lexington$2,133
    Champaign$2,130
    Lansing$2,130
    San Antonio (JBSA)$2,130
    Columbia$2,127
    Laughlin AFB$2,127
    Sioux Falls$2,109
    Tulsa$2,109
    County Cost Group 740$2,100
    Wright-Patterson AFB$2,100
    Camp Lejeune$2,088
    Wilkes-Barre$2,088
    White Sands MR$2,085
    County Cost Group 730$2,067
    Topeka$2,067
    Fort Benning$2,061
    Sumter$2,055
    Yuma$2,052
    Gulfport$2,046
    County Cost Group 720$2,043
    Lafayette$2,043
    Peoria$2,043
    Fort Leonard Wood$2,034
    Morgantown$2,034
    Paducah$2,034
    County Cost Group 710$2,019
    St Mary And Terrebonne$2,013
    Moody AFB$2,007
    Springfield$2,004
    Terre Haute$2,004
    County Cost Group 700$2,001
    Springfield$2,001
    Lubbock$1,986
    County Cost Group 690$1,983
    Lake Charles$1,983
    Akron$1,980
    Little Rock$1,977
    Oklahoma City$1,977
    County Cost Group 680$1,971
    Fort Chaffee$1,965
    County Cost Group 670$1,962
    Sault Ste Marie$1,962
    Beaumont$1,959
    Meridian$1,959
    Fort Riley$1,956
    Alexandria$1,953
    County Cost Group 660$1,947
    Fort Polk$1,941
    Wichita$1,941
    County Cost Group 650$1,938
    Montgomery$1,935
    County Cost Group 640$1,929
    Sparta$1,926
    County Cost Group 630$1,920
    Huntington$1,920
    County Cost Group 620$1,914
    Albany$1,911
    Holloman AFB$1,908
    County Cost Group 610$1,905
    County Cost Group 600$1,896
    County Cost Group 590$1,884
    Cannon AFB$1,878
    Erie$1,875
    County Cost Group 580$1,872
    Hattiesburg$1,869
    Charleston$1,863
    County Cost Group 570$1,860
    County Cost Group 560$1,851
    Saginaw$1,845
    County Cost Group 550$1,839
    Altus AFB$1,836
    County Cost Group 540$1,830
    County Cost Group 530$1,824
    Vance AFB$1,821
    County Cost Group 520$1,818
    County Cost Group 510$1,812
    Youngstown$1,773
    Fort Sill$1,761
    Stevens Point$1,749
    Monroe$1,731
    Anniston$1,689

    San Antonio (JBSA) is #261 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 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

    Promoting to W-4 here adds $48 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 W-3 is worth $4,524 a month — about 94 promotions worth of housing allowance, at $48 per grade here.

    02

    Dependency status is worth 7% 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. $2,130 a month of BAH takes more than $2,130 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.