Updated February 2026

BAH Rates Monterey, CA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Monterey military housing area (MHA: CA039), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$3,465

$41,580/year

E-5 without Dependents

$2,844

$34,128/year

O-3 with Dependents

$4,824

$57,888/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,249	$38,988
E-2	$3,249	$38,988
E-3	$3,249	$38,988
E-4	$3,249	$38,988
E-5	$3,465	$41,580
E-6	$3,867	$46,404
E-7	$4,218	$50,616
E-8	$4,599	$55,188
E-9	$4,956	$59,472
Warrant Officer
W-1	$3,894	$46,728
W-2	$4,374	$52,488
W-3	$4,842	$58,104
W-4	$5,001	$60,012
W-5	$5,196	$62,352
Commissioned Officer (Prior Enlisted)
O-1E	$4,293	$51,516
O-2E	$4,773	$57,276
O-3E	$5,031	$60,372
Commissioned Officer
O-1	$3,519	$42,228
O-2	$3,864	$46,368
O-3	$4,824	$57,888
O-4	$5,259	$63,108
O-5	$5,565	$66,780
O-6	$5,613	$67,356
O-7	$5,658	$67,896

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,493	$29,916
E-2	$2,493	$29,916
E-3	$2,493	$29,916
E-4	$2,493	$29,916
E-5	$2,844	$34,128
E-6	$3,054	$36,648
E-7	$3,258	$39,096
E-8	$3,549	$42,588
E-9	$3,717	$44,604
Warrant Officer
W-1	$3,183	$38,196
W-2	$3,546	$42,552
W-3	$3,720	$44,640
W-4	$3,951	$47,412
W-5	$4,305	$51,660
Commissioned Officer (Prior Enlisted)
O-1E	$3,462	$41,544
O-2E	$3,639	$43,668
O-3E	$3,861	$46,332
Commissioned Officer
O-1	$3,030	$36,360
O-2	$3,396	$40,752
O-3	$3,723	$44,676
O-4	$4,245	$50,940
O-5	$4,464	$53,568
O-6	$4,821	$57,852
O-7	$4,908	$58,896

2 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Monterey (CA039) Military Housing Area:

91754 91755

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Monterey, CA is $3,465 per month ($41,580 per year). Without dependents, the rate is $2,844 per month.

How many ZIP codes are in the Monterey MHA?

The Monterey Military Housing Area (CA039) includes 2 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.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all California BAH rates →

How Monterey, CA BAH compares nationally

Monterey, CA is the 27th most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $3,465/mo here, 51.4% 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 8th 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 $856/mo (29.1%) 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.