E-4 BAH Rates in San Francisco, CA (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an E-4 (Specialist/Corporal) stationed in San Francisco, CA is $4,764 per month with dependents and $3,573 per month without dependents. This rate is $2,635 above the national average for E-4.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-4 base pay of $3,658.5/mo (at 4 years of service) and BAS of $476.95/mo, total monthly compensation in San Francisco is approximately $8,899.45 with dependents or $7,708.45 without.
E-4 BAH: San Francisco vs National Average
| San Francisco | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $4,764 | $2,129 | +$2,635 |
| Without Dependents | $3,573 | $1,683 | +$1,890 |
E-4 Total Monthly Compensation in San Francisco
Here is how E-4 pay breaks down for a service member with 4 years of service stationed in San Francisco:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $3,658.5 | $3,658.5 |
| BAH | $4,764 | $3,573 |
| BAS | $476.95 | $476.95 |
| Total | $8,899.45 | $7,708.45 |
Base pay shown for 4 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 San Francisco
- E-3 — $4,764/mo
- E-5 — $5,127/mo
- E-6 — $5,454/mo
- E-7 — $5,490/mo
- O-1 — $5,172/mo
- O-2 — $5,451/mo
- O-3 — $5,556/mo
Frequently Asked Questions
What is the 2026 BAH rate for E-4 in San Francisco?
The 2026 E-4 BAH rate in San Francisco is $4,764/mo with dependents and $3,573/mo without dependents.
What is the total monthly pay for E-4 in San Francisco?
An E-4 with 4 years of service in San Francisco earns approximately $8,899.45/mo total compensation with dependents (base pay $3,658.5 + BAH $4,764 + BAS $476.95). Without dependents: $7,708.45/mo.
Is San Francisco BAH above or below average?
E-4 BAH in San Francisco is $2,635 above the national average of $2,129/mo with dependents.
E-4 BAH in San Francisco, CA, in context
An E-4 with dependents in San Francisco, CA draws $4,764/mo — 123.7% above the national average of $2,129 for this grade (2nd of 299 MHAs). Without dependents the rate is $3,573/mo, a $1,191 difference.
Promotion changes housing money here: pinning on E-5 raises BAH in this MHA by $363/mo (to $5,127), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.