Updated February 2026

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

Monthly Basic Allowance for Housing rates for the San Francisco military housing area (MHA: CA019), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$5,127

$61,524/year

E-5 without Dependents

$4,086

$49,032/year

O-3 with Dependents

$5,556

$66,672/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$4,764	$57,168
E-2	$4,764	$57,168
E-3	$4,764	$57,168
E-4	$4,764	$57,168
E-5	$5,127	$61,524
E-6	$5,454	$65,448
E-7	$5,490	$65,880
E-8	$5,529	$66,348
E-9	$5,799	$69,588
Warrant Officer
W-1	$5,472	$65,664
W-2	$5,505	$66,060
W-3	$5,559	$66,708
W-4	$5,892	$70,704
W-5	$6,297	$75,564
Commissioned Officer (Prior Enlisted)
O-1E	$5,493	$65,916
O-2E	$5,547	$66,564
O-3E	$5,955	$71,460
Commissioned Officer
O-1	$5,172	$62,064
O-2	$5,451	$65,412
O-3	$5,556	$66,672
O-4	$6,444	$77,328
O-5	$7,089	$85,068
O-6	$7,155	$85,860
O-7	$7,215	$86,580

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,573	$42,876
E-2	$3,573	$42,876
E-3	$3,573	$42,876
E-4	$3,573	$42,876
E-5	$4,086	$49,032
E-6	$4,443	$53,316
E-7	$4,782	$57,384
E-8	$5,196	$62,352
E-9	$5,286	$63,432
Warrant Officer
W-1	$4,644	$55,728
W-2	$5,193	$62,316
W-3	$5,301	$63,612
W-4	$5,454	$65,448
W-5	$5,496	$65,952
Commissioned Officer (Prior Enlisted)
O-1E	$5,124	$61,488
O-2E	$5,268	$63,216
O-3E	$5,445	$65,340
Commissioned Officer
O-1	$4,401	$52,812
O-2	$5,007	$60,084
O-3	$5,331	$63,972
O-4	$5,481	$65,772
O-5	$5,499	$65,988
O-6	$5,532	$66,384
O-7	$5,634	$67,608

56 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the San Francisco (CA019) Military Housing Area:

94002 94005 94010 94014 94015 94019 94020 94021 94025 94027 94028 94030 94037 94038 94044 94060 94061 94062 94063 94065 94066 94070 94074 94080 94102 94103 94104 94105 94107 94108 94109 94110 94111 94112 94114 94115 94116 94117 94118 94121 94122 94123 94124 94127 94128 94129 94130 94131 94132 94133 94134 94303 94401 94402 94403 94404

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in San Francisco, CA is $5,127 per month ($61,524 per year). Without dependents, the rate is $4,086 per month.

How many ZIP codes are in the San Francisco MHA?

The San Francisco Military Housing Area (CA019) includes 56 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 Francisco, CA BAH compares nationally

San Francisco, CA is the most expensive military housing area in the country — none of the other 298 MHAs pays more. An E-5 with dependents draws $5,127/mo here, 124% above the national MHA average of $2,289. Rates this high track an extremely tight rental market, so run the numbers before deciding to live on the local economy.

Within the state, this is the highest-rate MHA of 26; the lowest is China Lake, CA at $1,563/mo for the same E-5 — a $3,564 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $930/mo (23.6%) 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.