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-5 with dependents at San Antonio (JBSA) draws $2,280 per month in 2026

    Permalinkbahratedesk.com/san-antonio/w-5/with/ExcelCSVDownloads cover this station.
    San Antonio, TX
    W-5 · with dependents
    $2,280/ month
    $27,360 / year
    At W-5, this is #279 of 338 stations loaded · high Westchester County $7,338 · low Youngstown $1,806
    MHA TX285 · ZIPs 78002 78023 78054 78069 78070 78073 +107 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$2,923 / mo gross
    Other dependency status here$2,097 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-5 · $2,280/mo
    Aberdeen Proving Grounds$3,348/mo · $40,176/yr
    ▲ RAISE+$1,068+$12,816/yr · like +$16,431 of salary

    What this rate means

    W-5 with dependents, every station0 – $7,338 / month
    Westchester County$7,338
    New York City$6,306
    San Francisco$6,297
    Nantucket$6,165
    Maui County$5,973
    Boston$5,805
    Santa Clara County$5,751
    Florida Keys$5,529
    Northern New Jersey$5,529
    Long Island$5,436
    Hanscom AFB$5,409
    Martha's Vineyard$5,334
    Kauai County$5,262
    Monterey$5,196
    Essex CO$5,181
    Miami$5,085
    Camp Pendleton$5,019
    San Diego$4,992
    Los Angeles$4,971
    Staten Island$4,968
    Portsmouth$4,905
    Trenton$4,836
    San Luis Obispo$4,806
    West Point$4,806
    Cape Cod-Plymouth$4,803
    Oakland$4,740
    Portland$4,740
    Honolulu County$4,692
    Fort Monmouth$4,653
    Perth Amboy$4,578
    Burlington$4,527
    Fitchburg$4,506
    Seattle$4,503
    Marin$4,497
    Ventura$4,497
    Manchester$4,473
    Newport$4,404
    West Palm Beach$4,371
    Washington$4,350
    Providence$4,272
    Worcester$4,212
    New Haven$4,206
    County Cost Group 890$4,173
    Warrenton$4,122
    Hawaii County$4,104
    Hartford$4,074
    Vandenberg SFB$4,065
    Indian Head Navordsta$3,969
    Boulder$3,963
    Atlantic City$3,954
    Chicago$3,900
    Santa Fe$3,870
    Riverside$3,855
    Brunswick$3,843
    JB McGuire-Dix-Lakehurst$3,831
    Juneau$3,831
    County Cost Group 880$3,807
    Austin$3,771
    Annapolis$3,762
    Everett$3,753
    Ann Arbor$3,735
    Vallejo$3,729
    JB Elmendorf-Richardson$3,723
    Madison$3,711
    Fort G. G. Meade$3,708
    Hampden County$3,702
    Quantico$3,687
    Stockton$3,672
    Willow Grove$3,669
    Ketchikan$3,660
    Sitka$3,618
    New London$3,603
    San Bernardino$3,597
    County Cost Group 870$3,573
    Cape May$3,570
    Edwards AFB$3,546
    Fort Detrick$3,525
    Eglin AFB$3,516
    Milwaukee$3,507
    Ballston Spa$3,504
    Kodiak Island$3,498
    Astoria$3,444
    Baltimore$3,429
    Denver$3,396
    Outer Banks$3,387
    County Cost Group 860$3,378
    Philadelphia$3,366
    Fort Pierce$3,360
    Portland$3,360
    Aberdeen Proving Grounds$3,348
    Great Lakes Navtracen$3,327
    Oxford$3,318
    Beale AFB$3,315
    Fort Myers Beach$3,315
    Corvallis$3,306
    JB Lewis-McChord$3,297
    Charlottesville$3,291
    County Cost Group 850$3,282
    Sacramento$3,276
    Asheville$3,270
    Bridgeport$3,267
    Port Angeles$3,258
    Whidbey Island$3,258
    Tampa$3,231
    Traverse City$3,231
    Bremerton$3,228
    Knoxville$3,195
    Dahlgren$3,183
    County Cost Group 840$3,180
    Fresno$3,174
    Fairbanks$3,171
    Detroit$3,159
    Allentown$3,156
    Minneapolis$3,144
    Beaufort$3,141
    Orlando$3,114
    County Cost Group 830$3,093
    College Station$3,090
    Patrick SFB$3,081
    Dover AFB$3,075
    Reno$3,075
    Humboldt County$3,063
    Rome$3,060
    Twenty Nine Palms MCB$3,051
    Buffalo$3,045
    Eugene$3,042
    Patuxent River$3,033
    Abilene$3,030
    Coastal Maine$3,027
    Spokane$3,021
    Dallas$3,018
    Syracuse$3,009
    St. Louis$3,006
    Pittsburgh$3,003
    Helena$3,000
    Norfolk$3,000
    Nashville$2,997
    Richmond$2,991
    Savannah$2,991
    County Cost Group 820$2,988
    Houston$2,988
    Rochester$2,988
    Fort Collins$2,985
    Gainesville$2,982
    Yakima$2,970
    Salem$2,967
    Elizabeth City$2,958
    Wilmington$2,958
    Barstow$2,946
    Salt Lake City$2,922
    Omaha$2,913
    Coos Bay$2,910
    Panama City$2,886
    Charleston$2,880
    State College$2,877
    County Cost Group 810$2,874
    Durham$2,868
    Fort Stewart$2,859
    Chattanooga$2,856
    Atlanta$2,841
    Bloomington$2,841
    Tallahassee$2,838
    Cincinnati$2,829
    El Centro$2,823
    Cleveland$2,817
    Carlisle Barracks$2,811
    New Orleans$2,805
    Volusia County$2,802
    Jackson$2,790
    Hampton$2,778
    Columbus$2,766
    Fort Carson$2,754
    County Cost Group 800$2,751
    Fort Campbell$2,751
    Myrtle Beach$2,751
    Eastern Panhandle$2,748
    Battle Creek$2,742
    Grand Haven$2,733
    Waco$2,730
    Corpus Christi$2,718
    Provo$2,718
    Dahlonega$2,706
    Fargo$2,706
    Grand Rapids$2,688
    Birmingham$2,682
    Fort Knox$2,679
    Louisville$2,679
    Cheyenne$2,676
    Ocala$2,676
    Auburn$2,673
    Bangor$2,667
    County Cost Group 790$2,667
    Des Moines$2,667
    Kings Bay$2,664
    Rapid City$2,664
    Morehead$2,658
    Lemoore NAS$2,643
    Wichita Fls$2,634
    Albuquerque$2,631
    Fort Drum$2,631
    Phoenix$2,622
    Johnson City$2,616
    Fort Worth$2,613
    Eastern Shore$2,610
    Mountain Home AFB$2,610
    Fayetteville$2,601
    Marquette$2,598
    Duluth$2,583
    County Cost Group 780$2,577
    Nellis AFB$2,577
    Rock Island$2,577
    Kansas City$2,574
    Boise$2,565
    Raleigh$2,562
    Scott AFB$2,562
    Jacksonville$2,550
    Fort Hood$2,544
    Roanoke$2,541
    Ogden$2,538
    Shreveport$2,520
    Charlotte$2,514
    Fort Gordon$2,514
    Lexington$2,514
    County Cost Group 770$2,502
    Fort Rucker$2,502
    Fort Leavenworth$2,496
    Malmstrom SFB$2,496
    Toledo$2,490
    Memphis$2,484
    Whiteman AFB$2,478
    Columbia$2,475
    Fallon NAS$2,475
    Baton Rouge$2,472
    Lincoln$2,472
    Champaign$2,466
    Lansing$2,466
    Laughlin AFB$2,466
    Fort Wayne$2,463
    Mobile$2,463
    Robins AFB$2,451
    Greensboro$2,445
    Brownsville$2,442
    Grand Forks$2,439
    Seymour Johnson AFB$2,436
    Indianapolis$2,433
    Tulsa$2,430
    Pensacola$2,427
    Greenville$2,424
    County Cost Group 760$2,421
    Huntsville$2,415
    China Lake$2,403
    Wright-Patterson AFB$2,397
    Fort Bragg$2,391
    Bismarck$2,385
    Lexington$2,379
    Wilkes-Barre$2,376
    Davis-Monthan AFB$2,373
    County Cost Group 750$2,367
    Paducah$2,355
    Columbia$2,352
    Fort Huachuca$2,343
    Minot AFB$2,343
    Akron$2,337
    Columbus AFB$2,337
    Topeka$2,337
    Fort Bliss$2,334
    Gulfport$2,331
    Terre Haute$2,322
    Springfield$2,319
    Camp Lejeune$2,316
    Morgantown$2,316
    Sumter$2,316
    Goodfellow AFB$2,310
    County Cost Group 740$2,307
    Sioux Falls$2,307
    Lubbock$2,289
    Moody AFB$2,289
    St Mary And Terrebonne$2,286
    San Antonio (JBSA)$2,280
    Little Rock$2,274
    County Cost Group 730$2,271
    Sault Ste Marie$2,268
    Fort Benning$2,262
    Lafayette$2,262
    Yuma$2,253
    Peoria$2,250
    County Cost Group 720$2,244
    Montgomery$2,244
    Beaumont$2,235
    Lake Charles$2,223
    Alexandria$2,220
    County Cost Group 710$2,220
    White Sands MR$2,220
    Albany$2,217
    Springfield$2,205
    County Cost Group 700$2,199
    Wichita$2,190
    County Cost Group 690$2,181
    Frankfort$2,175
    Meridian$2,169
    County Cost Group 680$2,166
    Fort Chaffee$2,166
    Charleston$2,157
    County Cost Group 670$2,157
    Oklahoma City$2,157
    County Cost Group 660$2,142
    Fort Riley$2,139
    Holloman AFB$2,136
    County Cost Group 650$2,133
    Fort Leonard Wood$2,130
    County Cost Group 640$2,124
    Hattiesburg$2,118
    County Cost Group 630$2,112
    Vance AFB$2,112
    County Cost Group 620$2,103
    Fort Polk$2,100
    County Cost Group 610$2,097
    Altus AFB$2,088
    County Cost Group 600$2,088
    County Cost Group 590$2,073
    Sparta$2,073
    County Cost Group 580$2,061
    Huntington$2,055
    Erie$2,049
    County Cost Group 570$2,046
    County Cost Group 560$2,037
    County Cost Group 550$2,025
    County Cost Group 540$2,016
    Fort Sill$2,013
    County Cost Group 530$2,007
    County Cost Group 520$2,001
    County Cost Group 510$1,998
    Saginaw$1,929
    Cannon AFB$1,917
    Anniston$1,899
    Monroe$1,884
    Stevens Point$1,860
    Youngstown$1,806

    San Antonio (JBSA) is #279 of 338. The spread between the dearest and cheapest station at this grade is $5,532 a month — $66,384 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 9% 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. $2,280 a month of BAH takes more than $2,280 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.