O-1 BAH Rates in Monterey, CA (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in Monterey, CA is $3,519 per month with dependents and $3,030 per month without dependents. This rate is $1,184 above the national average for O-1.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-1 base pay of $4,320/mo (at 2 years of service) and BAS of $328.48/mo, total monthly compensation in Monterey is approximately $8,167.48 with dependents or $7,678.48 without.

O-1 BAH: Monterey vs National Average

	Monterey	National Avg	Difference
With Dependents	$3,519	$2,335	+$1,184
Without Dependents	$3,030	$1,975	+$1,055

O-1 Total Monthly Compensation in Monterey

Here is how O-1 pay breaks down for a service member with 2 years of service stationed in Monterey:

Component	With Dependents	Without Dependents
Base Pay	$4,320	$4,320
BAH	$3,519	$3,030
BAS	$328.48	$328.48
Total	$8,167.48	$7,678.48

Base pay shown for 2 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.

Other Ranks in Monterey

• E-3 — $3,249/mo
• E-4 — $3,249/mo
• E-5 — $3,465/mo
• E-6 — $3,867/mo
• E-7 — $4,218/mo
• O-2 — $3,864/mo
• O-3 — $4,824/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-1 in Monterey?

The 2026 O-1 BAH rate in Monterey is $3,519/mo with dependents and $3,030/mo without dependents.

What is the total monthly pay for O-1 in Monterey?

An O-1 with 2 years of service in Monterey earns approximately $8,167.48/mo total compensation with dependents (base pay $4,320 + BAH $3,519 + BAS $328.48). Without dependents: $7,678.48/mo.

Is Monterey BAH above or below average?

O-1 BAH in Monterey is $1,184 above the national average of $2,335/mo with dependents.

View all California BAH rates →