Updated February 2026

BAH Rates San Luis Obispo, CA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the San Luis Obispo military housing area (MHA: CA392), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$3,198

$38,376/year

E-5 without Dependents

$2,679

$32,148/year

O-3 with Dependents

$4,215

$50,580/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,027	$36,324
E-2	$3,027	$36,324
E-3	$3,027	$36,324
E-4	$3,027	$36,324
E-5	$3,198	$38,376
E-6	$3,948	$47,376
E-7	$4,047	$48,564
E-8	$4,152	$49,824
E-9	$4,413	$52,956
Warrant Officer
W-1	$3,969	$47,628
W-2	$4,089	$49,068
W-3	$4,218	$50,616
W-4	$4,485	$53,820
W-5	$4,806	$57,672
Commissioned Officer (Prior Enlisted)
O-1E	$4,062	$48,744
O-2E	$4,200	$50,400
O-3E	$4,536	$54,432
Commissioned Officer
O-1	$3,291	$39,492
O-2	$3,939	$47,268
O-3	$4,215	$50,580
O-4	$4,920	$59,040
O-5	$5,430	$65,160
O-6	$5,475	$65,700
O-7	$5,520	$66,240

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,358	$28,296
E-2	$2,358	$28,296
E-3	$2,358	$28,296
E-4	$2,358	$28,296
E-5	$2,679	$32,148
E-6	$2,961	$35,532
E-7	$3,036	$36,432
E-8	$3,348	$40,176
E-9	$3,576	$42,912
Warrant Officer
W-1	$2,976	$35,712
W-2	$3,345	$40,140
W-3	$3,600	$43,200
W-4	$3,966	$47,592
W-5	$4,068	$48,816
Commissioned Officer (Prior Enlisted)
O-1E	$3,195	$38,340
O-2E	$3,525	$42,300
O-3E	$3,942	$47,304
Commissioned Officer
O-1	$2,853	$34,236
O-2	$3,144	$37,728
O-3	$3,675	$44,100
O-4	$4,047	$48,564
O-5	$4,101	$49,212
O-6	$4,197	$50,364
O-7	$4,272	$51,264

22 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the San Luis Obispo (CA392) Military Housing Area:

93401 93402 93405 93420 93422 93424 93428 93430 93432 93433 93435 93442 93444 93445 93446 93447 93449 93451 93452 93453 93461 93465

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in San Luis Obispo, CA is $3,198 per month ($38,376 per year). Without dependents, the rate is $2,679 per month.

How many ZIP codes are in the San Luis Obispo MHA?

The San Luis Obispo Military Housing Area (CA392) includes 22 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.