Updated February 2026
2026 BAH Rates: Naval Base San Diego
Monthly Basic Allowance for Housing rates for Naval Base San Diego (Navy) in the San Diego military housing area (MHA: CA038), effective January 1, 2026.
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| Pay Grade | Monthly Rate | Annual Rate |
|---|---|---|
| Enlisted | ||
| E-1 | $3,666 | $43,992 |
| E-2 | $3,666 | $43,992 |
| E-3 | $3,666 | $43,992 |
| E-4 | $3,666 | $43,992 |
| E-5 | $3,975 | $47,700 |
| E-6 | $4,404 | $52,848 |
| E-7 | $4,446 | $53,352 |
| E-8 | $4,488 | $53,856 |
| E-9 | $4,671 | $56,052 |
| Warrant Officer | ||
| W-1 | $4,425 | $53,100 |
| W-2 | $4,464 | $53,568 |
| W-3 | $4,521 | $54,252 |
| W-4 | $4,731 | $56,772 |
| W-5 | $4,992 | $59,904 |
| Commissioned Officer (Prior Enlisted) | ||
| O-1E | $4,449 | $53,388 |
| O-2E | $4,506 | $54,072 |
| O-3E | $4,770 | $57,240 |
| Commissioned Officer | ||
| O-1 | $4,032 | $48,384 |
| O-2 | $4,401 | $52,812 |
| O-3 | $4,518 | $54,216 |
| O-4 | $5,082 | $60,984 |
| O-5 | $5,493 | $65,916 |
| O-6 | $5,541 | $66,492 |
| O-7 | $5,586 | $67,032 |
| Pay Grade | Monthly Rate | Annual Rate |
|---|---|---|
| Enlisted | ||
| E-1 | $2,763 | $33,156 |
| E-2 | $2,763 | $33,156 |
| E-3 | $2,763 | $33,156 |
| E-4 | $2,763 | $33,156 |
| E-5 | $3,147 | $37,764 |
| E-6 | $3,387 | $40,644 |
| E-7 | $3,678 | $44,136 |
| E-8 | $4,065 | $48,780 |
| E-9 | $4,188 | $50,256 |
| Warrant Officer | ||
| W-1 | $3,564 | $42,768 |
| W-2 | $4,062 | $48,744 |
| W-3 | $4,206 | $50,472 |
| W-4 | $4,410 | $52,920 |
| W-5 | $4,455 | $53,460 |
| Commissioned Officer (Prior Enlisted) | ||
| O-1E | $3,972 | $47,664 |
| O-2E | $4,161 | $49,932 |
| O-3E | $4,398 | $52,776 |
| Commissioned Officer | ||
| O-1 | $3,351 | $40,212 |
| O-2 | $3,873 | $46,476 |
| O-3 | $4,248 | $50,976 |
| O-4 | $4,440 | $53,280 |
| O-5 | $4,458 | $53,496 |
| O-6 | $4,494 | $53,928 |
| O-7 | $4,575 | $54,900 |
Frequently Asked Questions
Calculate your full military pay including base pay, BAH, and BAS
Military Pay CalculatorHow BAH at Naval Base San Diego compares (San Diego, CA MHA)
Naval Base San Diego is the 12th most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $3,975/mo here, 73.7% above the national MHA average of $2,289. Rates this high usually track tight rental markets, so run the numbers before deciding to live on the local economy.
Statewide, this ranks 3rd of 26 MHAs — between San Francisco, CA ($5,127/mo, highest) and China Lake, CA ($1,563/mo, lowest) for an E-5 with dependents.
Across enlisted grades here, having dependents adds an average of $792/mo (25.5%) 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.