O-1 BAH Rates in San Francisco, CA (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in San Francisco, CA is $5,172 per month with dependents and $4,401 per month without dependents. This rate is $2,837 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 San Francisco is approximately $9,820.48 with dependents or $9,049.48 without.
O-1 BAH: San Francisco vs National Average
| San Francisco | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $5,172 | $2,335 | +$2,837 |
| Without Dependents | $4,401 | $1,975 | +$2,426 |
O-1 Total Monthly Compensation in San Francisco
Here is how O-1 pay breaks down for a service member with 2 years of service stationed in San Francisco:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,320 | $4,320 |
| BAH | $5,172 | $4,401 |
| BAS | $328.48 | $328.48 |
| Total | $9,820.48 | $9,049.48 |
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 San Francisco
- E-3 — $4,764/mo
- E-4 — $4,764/mo
- E-5 — $5,127/mo
- E-6 — $5,454/mo
- E-7 — $5,490/mo
- O-2 — $5,451/mo
- O-3 — $5,556/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-1 in San Francisco?
The 2026 O-1 BAH rate in San Francisco is $5,172/mo with dependents and $4,401/mo without dependents.
What is the total monthly pay for O-1 in San Francisco?
An O-1 with 2 years of service in San Francisco earns approximately $9,820.48/mo total compensation with dependents (base pay $4,320 + BAH $5,172 + BAS $328.48). Without dependents: $9,049.48/mo.
Is San Francisco BAH above or below average?
O-1 BAH in San Francisco is $2,837 above the national average of $2,335/mo with dependents.
O-1 BAH in San Francisco, CA, in context
An O-1 with dependents in San Francisco, CA draws $5,172/mo — 121.5% above the national average of $2,335 for this grade (1st of 299 MHAs). Without dependents the rate is $4,401/mo, a $771 difference.
Promotion changes housing money here: pinning on O-2 raises BAH in this MHA by $279/mo (to $5,451), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.