Updated February 2026

BAH Rates San Bernardino, CA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the San Bernardino military housing area (MHA: CA031), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$3,288

$39,456/year

E-5 without Dependents

$2,466

$29,592/year

O-3 with Dependents

$3,414

$40,968/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,958	$35,496
E-2	$2,958	$35,496
E-3	$2,958	$35,496
E-4	$2,958	$35,496
E-5	$3,288	$39,456
E-6	$3,381	$40,572
E-7	$3,399	$40,788
E-8	$3,408	$40,896
E-9	$3,465	$41,580
Warrant Officer
W-1	$3,396	$40,752
W-2	$3,405	$40,860
W-3	$3,417	$41,004
W-4	$3,489	$41,868
W-5	$3,597	$43,164
Commissioned Officer (Prior Enlisted)
O-1E	$3,402	$40,824
O-2E	$3,411	$40,932
O-3E	$3,504	$42,048
Commissioned Officer
O-1	$3,306	$39,672
O-2	$3,378	$40,536
O-3	$3,414	$40,968
O-4	$3,630	$43,560
O-5	$3,798	$45,576
O-6	$3,828	$45,936
O-7	$3,855	$46,260

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,220	$26,640
E-2	$2,220	$26,640
E-3	$2,220	$26,640
E-4	$2,220	$26,640
E-5	$2,466	$29,592
E-6	$2,667	$32,004
E-7	$2,973	$35,676
E-8	$3,312	$39,744
E-9	$3,327	$39,924
Warrant Officer
W-1	$2,850	$34,200
W-2	$3,309	$39,708
W-3	$3,333	$39,996
W-4	$3,372	$40,464
W-5	$3,387	$40,644
Commissioned Officer (Prior Enlisted)
O-1E	$3,285	$39,420
O-2E	$3,324	$39,888
O-3E	$3,369	$40,428
Commissioned Officer
O-1	$2,628	$31,536
O-2	$3,180	$38,160
O-3	$3,339	$40,068
O-4	$3,375	$40,500
O-5	$3,390	$40,680
O-6	$3,393	$40,716
O-7	$3,438	$41,256

6 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the San Bernardino (CA031) Military Housing Area:

92401 92404 92407 92408 92410 92411

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in San Bernardino, CA is $3,288 per month ($39,456 per year). Without dependents, the rate is $2,466 per month.

How many ZIP codes are in the San Bernardino MHA?

The San Bernardino Military Housing Area (CA031) includes 6 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 San Bernardino, CA BAH compares nationally

BAH for San Bernardino, CA runs above the national average: $3,288/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (38th overall, 43.7% above average).

Statewide, this ranks 13th 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 $572/mo (23.8%) 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.