O-2 BAH Rates in San Francisco, CA (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in San Francisco, CA is $5,451 per month with dependents and $5,007 per month without dependents. This rate is $2,843 above the national average for O-2.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in San Francisco is approximately $12,263.98 with dependents or $11,819.98 without.
O-2 BAH: San Francisco vs National Average
| San Francisco | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $5,451 | $2,608 | +$2,843 |
| Without Dependents | $5,007 | $2,243 | +$2,764 |
O-2 Total Monthly Compensation in San Francisco
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in San Francisco:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $5,451 | $5,007 |
| BAS | $328.48 | $328.48 |
| Total | $12,263.98 | $11,819.98 |
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-4 — $4,764/mo
- E-5 — $5,127/mo
- E-6 — $5,454/mo
- E-7 — $5,490/mo
- O-1 — $5,172/mo
- O-3 — $5,556/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in San Francisco?
The 2026 O-2 BAH rate in San Francisco is $5,451/mo with dependents and $5,007/mo without dependents.
What is the total monthly pay for O-2 in San Francisco?
An O-2 with 4 years of service in San Francisco earns approximately $12,263.98/mo total compensation with dependents (base pay $6,484.5 + BAH $5,451 + BAS $328.48). Without dependents: $11,819.98/mo.
Is San Francisco BAH above or below average?
O-2 BAH in San Francisco is $2,843 above the national average of $2,608/mo with dependents.
O-2 BAH in San Francisco, CA, in context
An O-2 with dependents in San Francisco, CA draws $5,451/mo — 109% above the national average of $2,608 for this grade (1st of 299 MHAs). Without dependents the rate is $5,007/mo, a $444 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $105/mo (to $5,556), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.