Updated February 2026
2026 BAH Rates: Coast Guard Sector San Francisco
Monthly Basic Allowance for Housing rates for Coast Guard Sector San Francisco (Coast Guard) in the San Francisco military housing area (MHA: CA019), effective January 1, 2026.
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| Pay Grade | Monthly Rate | Annual Rate |
|---|---|---|
| Enlisted | ||
| E-1 | $4,764 | $57,168 |
| E-2 | $4,764 | $57,168 |
| E-3 | $4,764 | $57,168 |
| E-4 | $4,764 | $57,168 |
| E-5 | $5,127 | $61,524 |
| E-6 | $5,454 | $65,448 |
| E-7 | $5,490 | $65,880 |
| E-8 | $5,529 | $66,348 |
| E-9 | $5,799 | $69,588 |
| Warrant Officer | ||
| W-1 | $5,472 | $65,664 |
| W-2 | $5,505 | $66,060 |
| W-3 | $5,559 | $66,708 |
| W-4 | $5,892 | $70,704 |
| W-5 | $6,297 | $75,564 |
| Commissioned Officer (Prior Enlisted) | ||
| O-1E | $5,493 | $65,916 |
| O-2E | $5,547 | $66,564 |
| O-3E | $5,955 | $71,460 |
| Commissioned Officer | ||
| O-1 | $5,172 | $62,064 |
| O-2 | $5,451 | $65,412 |
| O-3 | $5,556 | $66,672 |
| O-4 | $6,444 | $77,328 |
| O-5 | $7,089 | $85,068 |
| O-6 | $7,155 | $85,860 |
| O-7 | $7,215 | $86,580 |
| Pay Grade | Monthly Rate | Annual Rate |
|---|---|---|
| Enlisted | ||
| E-1 | $3,573 | $42,876 |
| E-2 | $3,573 | $42,876 |
| E-3 | $3,573 | $42,876 |
| E-4 | $3,573 | $42,876 |
| E-5 | $4,086 | $49,032 |
| E-6 | $4,443 | $53,316 |
| E-7 | $4,782 | $57,384 |
| E-8 | $5,196 | $62,352 |
| E-9 | $5,286 | $63,432 |
| Warrant Officer | ||
| W-1 | $4,644 | $55,728 |
| W-2 | $5,193 | $62,316 |
| W-3 | $5,301 | $63,612 |
| W-4 | $5,454 | $65,448 |
| W-5 | $5,496 | $65,952 |
| Commissioned Officer (Prior Enlisted) | ||
| O-1E | $5,124 | $61,488 |
| O-2E | $5,268 | $63,216 |
| O-3E | $5,445 | $65,340 |
| Commissioned Officer | ||
| O-1 | $4,401 | $52,812 |
| O-2 | $5,007 | $60,084 |
| O-3 | $5,331 | $63,972 |
| O-4 | $5,481 | $65,772 |
| O-5 | $5,499 | $65,988 |
| O-6 | $5,532 | $66,384 |
| O-7 | $5,634 | $67,608 |
Frequently Asked Questions
Calculate your full military pay including base pay, BAH, and BAS
Military Pay CalculatorHow BAH at Coast Guard Sector San Francisco compares (San Francisco, CA MHA)
Coast Guard Sector San Francisco is the most expensive military housing area in the country — none of the other 298 MHAs pays more. An E-5 with dependents draws $5,127/mo here, 124% above the national MHA average of $2,289. Rates this high track an extremely tight rental market, so run the numbers before deciding to live on the local economy.
Within the state, this is the highest-rate MHA of 26; the lowest is China Lake, CA at $1,563/mo for the same E-5 — a $3,564 monthly spread that matters if you have any say in your assignment.
Across enlisted grades here, having dependents adds an average of $930/mo (23.6%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.
Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.