Updated February 2026

BAH Rates El Centro, CA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the El Centro military housing area (MHA: CA420), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,986

$23,832/year

E-5 without Dependents

$1,704

$20,448/year

O-3 with Dependents

$2,664

$31,968/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,905	$22,860
E-2	$1,905	$22,860
E-3	$1,905	$22,860
E-4	$1,905	$22,860
E-5	$1,986	$23,832
E-6	$2,151	$25,812
E-7	$2,334	$28,008
E-8	$2,541	$30,492
E-9	$2,721	$32,652
Warrant Officer
W-1	$2,166	$25,992
W-2	$2,418	$29,016
W-3	$2,673	$32,076
W-4	$2,739	$32,868
W-5	$2,823	$33,876
Commissioned Officer (Prior Enlisted)
O-1E	$2,373	$28,476
O-2E	$2,634	$31,608
O-3E	$2,751	$33,012
Commissioned Officer
O-1	$2,013	$24,156
O-2	$2,148	$25,776
O-3	$2,664	$31,968
O-4	$2,847	$34,164
O-5	$2,976	$35,712
O-6	$2,997	$35,964
O-7	$3,018	$36,216

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,500	$18,000
E-2	$1,500	$18,000
E-3	$1,500	$18,000
E-4	$1,500	$18,000
E-5	$1,704	$20,448
E-6	$1,824	$21,888
E-7	$1,905	$22,860
E-8	$2,025	$24,300
E-9	$2,061	$24,732
Warrant Officer
W-1	$1,890	$22,680
W-2	$2,022	$24,264
W-3	$2,070	$24,840
W-4	$2,187	$26,244
W-5	$2,382	$28,584
Commissioned Officer (Prior Enlisted)
O-1E	$1,983	$23,796
O-2E	$2,052	$24,624
O-3E	$2,139	$25,668
Commissioned Officer
O-1	$1,818	$21,816
O-2	$1,962	$23,544
O-3	$2,085	$25,020
O-4	$2,346	$28,152
O-5	$2,460	$29,520
O-6	$2,652	$31,824
O-7	$2,697	$32,364

14 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the El Centro (CA420) Military Housing Area:

92227 92231 92233 92243 92249 92250 92251 92257 92259 92266 92273 92275 92281 92283

Frequently Asked Questions

What is the BAH rate for an E-5 in El Centro?

The 2026 BAH rate for an E-5 with dependents in El Centro, CA is $1,986 per month ($23,832 per year). Without dependents, the rate is $1,704 per month.

How many ZIP codes are in the El Centro MHA?

The El Centro Military Housing Area (CA420) includes 14 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.