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2026 Official DoD Rates · Tax-free
BAH RATES
NAVAL BASE SAN DIEGO, CA
2026 Basic Allowance for Housing rates for the San Diego, CA Military Housing Area. Paid monthly, tax-free, based on rank and dependent status.
$3,147
Monthly
E-5 w/o Deps
$4,518
Monthly
O-3 w/ Deps
100%
Tax-free
Tax Status
2026 BAH Rates -- San Diego, CA
Monthly housing allowance -- all ranks, with and without dependents
| Rank | Without Deps | With Deps |
|---|---|---|
| E-1 | $2,763/mo | $3,666/mo |
| E-2 | $2,763/mo | $3,666/mo |
| E-3 | $2,763/mo | $3,666/mo |
| E-4 | $2,763/mo | $3,666/mo |
| E-5 | $3,147/mo | $3,975/mo |
| E-6 | $3,387/mo | $4,404/mo |
| E-7 | $3,678/mo | $4,446/mo |
| E-8 | $4,065/mo | $4,488/mo |
| E-9 | $4,188/mo | $4,671/mo |
| W-1 | $3,564/mo | $4,425/mo |
| W-2 | $4,062/mo | $4,464/mo |
| W-3 | $4,206/mo | $4,521/mo |
| W-4 | $4,410/mo | $4,731/mo |
| W-5 | $4,455/mo | $4,992/mo |
| O-1 | $3,351/mo | $4,032/mo |
| O-1E | $3,972/mo | $4,449/mo |
| O-2 | $3,873/mo | $4,401/mo |
| O-2E | $4,161/mo | $4,506/mo |
| O-3 | $4,248/mo | $4,518/mo |
| O-3E | $4,398/mo | $4,770/mo |
| O-4 | $4,440/mo | $5,082/mo |
| O-5 | $4,458/mo | $5,493/mo |
| O-6 | $4,494/mo | $5,541/mo |
| O-7 | $4,575/mo | $5,586/mo |
Source: DoD BAH rate tables, 2026. Rates are tax-free and paid monthly with base pay.
How BAH works
- BAH is tax-free and paid monthly alongside your base pay
- Rates are set by the Military Housing Area (MHA) -- not your specific ZIP code
- "With dependents" rate applies if you have a spouse, child, or other qualifying dependent
- You keep the difference if you find housing below your BAH rate
- Rates are updated annually on January 1 and guaranteed not to decrease mid-year
Calculate your total military compensation -- base pay + BAH + BAS in one place.
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2026 rates per official DoD BAH tables. Rates are effective January 1, 2026. Source: Defense Travel Management Office (DTMO).