Updated February 2026

BAH Rates Oakland, CA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Oakland military housing area (MHA: CA018), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$3,759

$45,108/year

E-5 without Dependents

$3,000

$36,000/year

O-3 with Dependents

$4,362

$52,344/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,471	$41,652
E-2	$3,471	$41,652
E-3	$3,471	$41,652
E-4	$3,471	$41,652
E-5	$3,759	$45,108
E-6	$4,113	$49,356
E-7	$4,203	$50,436
E-8	$4,299	$51,588
E-9	$4,488	$53,856
Warrant Officer
W-1	$4,134	$49,608
W-2	$4,242	$50,904
W-3	$4,365	$52,380
W-4	$4,533	$54,396
W-5	$4,740	$56,880
Commissioned Officer (Prior Enlisted)
O-1E	$4,218	$50,616
O-2E	$4,344	$52,128
O-3E	$4,566	$54,792
Commissioned Officer
O-1	$3,807	$45,684
O-2	$4,110	$49,320
O-3	$4,362	$52,344
O-4	$4,809	$57,708
O-5	$5,133	$61,596
O-6	$5,178	$62,136
O-7	$5,220	$62,640

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,667	$32,004
E-2	$2,667	$32,004
E-3	$2,667	$32,004
E-4	$2,667	$32,004
E-5	$3,000	$36,000
E-6	$3,213	$38,556
E-7	$3,483	$41,796
E-8	$3,834	$46,008
E-9	$3,933	$47,196
Warrant Officer
W-1	$3,378	$40,536
W-2	$3,831	$45,972
W-3	$3,948	$47,376
W-4	$4,131	$49,572
W-5	$4,224	$50,688
Commissioned Officer (Prior Enlisted)
O-1E	$3,756	$45,072
O-2E	$3,912	$46,944
O-3E	$4,107	$49,284
Commissioned Officer
O-1	$3,180	$38,160
O-2	$3,666	$43,992
O-3	$3,981	$47,772
O-4	$4,203	$50,436
O-5	$4,254	$51,048
O-6	$4,341	$52,092
O-7	$4,419	$53,028

46 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Oakland (CA018) Military Housing Area:

94501 94502 94536 94538 94539 94541 94542 94544 94545 94546 94550 94552 94555 94560 94566 94568 94577 94578 94579 94580 94586 94587 94588 94601 94602 94603 94605 94606 94607 94608 94609 94610 94611 94612 94618 94619 94621 94702 94703 94704 94705 94706 94707 94708 94709 94710

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Oakland, CA is $3,759 per month ($45,108 per year). Without dependents, the rate is $3,000 per month.

How many ZIP codes are in the Oakland MHA?

The Oakland Military Housing Area (CA018) includes 46 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 Oakland, CA BAH compares nationally

Oakland, CA is the 18th most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $3,759/mo here, 64.2% 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 6th 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 $735/mo (24.5%) 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.