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 without dependents at San Antonio (JBSA) draws $2,097 per month in 2026

    Permalinkbahratedesk.com/san-antonio/w-5/without/ExcelCSVDownloads cover this station.
    San Antonio, TX
    W-5 · without dependents
    $2,097/ month
    $25,164 / year
    At W-5, this is #241 of 338 stations loaded · high Westchester County $5,946 · low Youngstown $1,527
    MHA TX285 · ZIPs 78002 78023 78054 78069 78070 78073 +107 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$2,688 / mo gross
    Other dependency status here$2,280 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) · W-5 · $2,097/mo
    Aberdeen Proving Grounds$2,892/mo · $34,704/yr
    ▲ RAISE+$795+$9,540/yr · like +$12,231 of salary

    What this rate means

    W-5 without dependents, every station0 – $5,946 / month
    Westchester County$5,946
    San Francisco$5,496
    New York City$5,280
    Nantucket$5,268
    Maui County$5,136
    Santa Clara County$5,076
    Northern New Jersey$5,067
    Boston$4,968
    Long Island$4,902
    Martha's Vineyard$4,791
    Hanscom AFB$4,608
    Camp Pendleton$4,518
    San Diego$4,455
    Kauai County$4,446
    Florida Keys$4,425
    Staten Island$4,368
    Los Angeles$4,341
    Monterey$4,305
    West Point$4,236
    Oakland$4,224
    Fort Monmouth$4,194
    Cape Cod-Plymouth$4,188
    Trenton$4,149
    Honolulu County$4,146
    Perth Amboy$4,146
    Essex CO$4,101
    Ventura$4,101
    Miami$4,083
    San Luis Obispo$4,068
    Seattle$4,047
    Portsmouth$4,044
    Marin$3,966
    Burlington$3,951
    Portland$3,888
    Hawaii County$3,882
    Washington$3,876
    Manchester$3,846
    New Haven$3,774
    West Palm Beach$3,771
    Newport$3,762
    Fitchburg$3,738
    Chicago$3,708
    Providence$3,708
    Vandenberg SFB$3,702
    County Cost Group 890$3,660
    Riverside$3,615
    Worcester$3,555
    Santa Fe$3,546
    Hartford$3,525
    Boulder$3,510
    Vallejo$3,510
    Indian Head Navordsta$3,507
    Warrenton$3,507
    JB McGuire-Dix-Lakehurst$3,492
    Juneau$3,453
    Atlantic City$3,441
    Willow Grove$3,405
    Everett$3,390
    San Bernardino$3,387
    Fort G. G. Meade$3,336
    County Cost Group 880$3,330
    Annapolis$3,321
    Sitka$3,315
    Quantico$3,240
    Ann Arbor$3,204
    Edwards AFB$3,204
    New London$3,177
    Fort Detrick$3,147
    Beale AFB$3,132
    Madison$3,132
    Denver$3,126
    Cape May$3,123
    County Cost Group 870$3,120
    Hampden County$3,114
    Brunswick$3,105
    Stockton$3,105
    Austin$3,096
    JB Elmendorf-Richardson$3,087
    Ketchikan$3,069
    Tampa$3,054
    Ballston Spa$3,030
    Baltimore$3,015
    Fort Myers Beach$3,012
    JB Lewis-McChord$3,009
    Outer Banks$3,006
    Sacramento$3,000
    Kodiak Island$2,997
    Astoria$2,985
    Philadelphia$2,982
    Orlando$2,967
    Port Angeles$2,958
    County Cost Group 860$2,946
    Fort Pierce$2,940
    Eglin AFB$2,922
    Traverse City$2,922
    Milwaukee$2,919
    Whidbey Island$2,910
    Bridgeport$2,901
    Aberdeen Proving Grounds$2,892
    Oxford$2,889
    Patrick SFB$2,889
    Portland$2,877
    Fresno$2,874
    Great Lakes Navtracen$2,874
    Bremerton$2,871
    Charlottesville$2,865
    County Cost Group 850$2,859
    Allentown$2,850
    Minneapolis$2,835
    Beaufort$2,829
    Abilene$2,826
    Dallas$2,823
    Rome$2,802
    Corvallis$2,781
    Coastal Maine$2,775
    Dahlgren$2,772
    County Cost Group 840$2,766
    Knoxville$2,766
    Dover AFB$2,745
    Reno$2,730
    Nashville$2,721
    Atlanta$2,712
    St. Louis$2,700
    County Cost Group 830$2,691
    Savannah$2,691
    Asheville$2,688
    Richmond$2,685
    Spokane$2,685
    Twenty Nine Palms MCB$2,670
    Detroit$2,667
    Charleston$2,661
    Fairbanks$2,655
    Fort Collins$2,655
    Buffalo$2,652
    Helena$2,643
    Patuxent River$2,643
    Rochester$2,625
    Norfolk$2,616
    Pittsburgh$2,610
    Eugene$2,607
    Elizabeth City$2,604
    County Cost Group 820$2,598
    Houston$2,598
    Syracuse$2,577
    Barstow$2,574
    Panama City$2,562
    Cincinnati$2,559
    Wilmington$2,559
    Humboldt County$2,556
    Volusia County$2,553
    Salem$2,538
    Birmingham$2,532
    Salt Lake City$2,529
    College Station$2,526
    Yakima$2,526
    Dahlonega$2,517
    Grand Haven$2,511
    Fort Stewart$2,508
    Gainesville$2,508
    Fort Carson$2,502
    County Cost Group 810$2,493
    Omaha$2,475
    Phoenix$2,460
    Carlisle Barracks$2,457
    Chattanooga$2,454
    New Orleans$2,454
    Durham$2,445
    Charlotte$2,442
    Hampton$2,439
    Battle Creek$2,436
    Coos Bay$2,433
    Myrtle Beach$2,433
    Cleveland$2,427
    Fort Worth$2,427
    Fargo$2,415
    Grand Rapids$2,415
    State College$2,412
    Ocala$2,406
    Columbus$2,391
    County Cost Group 800$2,382
    El Centro$2,382
    Provo$2,361
    Albuquerque$2,355
    Eastern Panhandle$2,352
    Eastern Shore$2,352
    Lemoore NAS$2,352
    Raleigh$2,349
    Duluth$2,343
    Corpus Christi$2,331
    Rapid City$2,328
    Louisville$2,325
    Memphis$2,322
    Cheyenne$2,319
    Boise$2,316
    Jackson$2,316
    Des Moines$2,310
    County Cost Group 790$2,307
    Tallahassee$2,295
    Jacksonville$2,292
    Nellis AFB$2,283
    Ogden$2,283
    Bismarck$2,277
    Fort Campbell$2,277
    Kings Bay$2,271
    Fort Knox$2,265
    Rock Island$2,262
    Bangor$2,259
    Fort Leavenworth$2,250
    Indianapolis$2,250
    Mountain Home AFB$2,250
    Pensacola$2,241
    Kansas City$2,232
    County Cost Group 780$2,226
    Johnson City$2,223
    Waco$2,223
    Morehead$2,214
    Wichita Fls$2,208
    Fort Huachuca$2,199
    Baton Rouge$2,196
    Fort Gordon$2,196
    Bloomington$2,187
    Lincoln$2,184
    Fayetteville$2,181
    Marquette$2,178
    Greensboro$2,175
    Roanoke$2,175
    Lexington$2,172
    Fort Bliss$2,169
    Toledo$2,169
    Columbia$2,166
    County Cost Group 770$2,160
    Fort Wayne$2,160
    Fort Drum$2,154
    Davis-Monthan AFB$2,151
    Huntsville$2,142
    Greenville$2,133
    Shreveport$2,133
    Mobile$2,127
    Fort Hood$2,109
    Fort Bragg$2,103
    San Antonio (JBSA)$2,097
    Auburn$2,094
    Scott AFB$2,094
    Grand Forks$2,091
    County Cost Group 760$2,088
    Columbus AFB$2,079
    Seymour Johnson AFB$2,073
    Whiteman AFB$2,070
    Minot AFB$2,067
    Sioux Falls$2,061
    Lexington$2,055
    Champaign$2,046
    Lansing$2,046
    County Cost Group 750$2,037
    Fallon NAS$2,028
    Malmstrom SFB$2,022
    Robins AFB$2,019
    Tulsa$2,016
    Fort Benning$2,010
    Camp Lejeune$2,004
    Brownsville$1,998
    Goodfellow AFB$1,998
    Sumter$1,995
    White Sands MR$1,995
    County Cost Group 740$1,986
    Fort Rucker$1,977
    Wilkes-Barre$1,971
    Morgantown$1,965
    Frankfort$1,959
    Wright-Patterson AFB$1,959
    Moody AFB$1,956
    County Cost Group 730$1,953
    Topeka$1,953
    Akron$1,947
    Little Rock$1,947
    Paducah$1,944
    China Lake$1,941
    Peoria$1,941
    Sault Ste Marie$1,935
    Yuma$1,935
    County Cost Group 720$1,929
    Lafayette$1,929
    Beaumont$1,923
    Springfield$1,920
    County Cost Group 710$1,905
    Oklahoma City$1,905
    Springfield$1,902
    Terre Haute$1,902
    Laughlin AFB$1,899
    County Cost Group 700$1,887
    Lubbock$1,887
    Fort Polk$1,881
    Holloman AFB$1,881
    Sparta$1,881
    County Cost Group 690$1,872
    County Cost Group 680$1,860
    Fort Leonard Wood$1,860
    Fort Riley$1,860
    Columbia$1,848
    County Cost Group 670$1,848
    Huntington$1,839
    County Cost Group 660$1,836
    Montgomery$1,833
    County Cost Group 650$1,827
    County Cost Group 640$1,821
    County Cost Group 630$1,812
    Fort Chaffee$1,809
    St Mary And Terrebonne$1,809
    Charleston$1,806
    Gulfport$1,806
    County Cost Group 620$1,803
    Alexandria$1,800
    Wichita$1,800
    County Cost Group 610$1,794
    County Cost Group 600$1,788
    Saginaw$1,788
    Lake Charles$1,785
    County Cost Group 590$1,776
    County Cost Group 580$1,764
    Erie$1,764
    County Cost Group 570$1,752
    County Cost Group 560$1,743
    County Cost Group 550$1,731
    Meridian$1,728
    County Cost Group 540$1,722
    Cannon AFB$1,719
    County Cost Group 530$1,716
    Stevens Point$1,713
    County Cost Group 520$1,710
    Albany$1,707
    County Cost Group 510$1,707
    Altus AFB$1,686
    Hattiesburg$1,674
    Monroe$1,671
    Vance AFB$1,647
    Fort Sill$1,611
    Anniston$1,575
    Youngstown$1,527

    San Antonio (JBSA) is #241 of 338. The spread between the dearest and cheapest station at this grade is $4,419 a month — $53,028 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 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. $2,097 a month of BAH takes more than $2,097 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.