O-1 BAH Rates in San Luis Obispo, CA (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in San Luis Obispo, CA is $3,291 per month with dependents and $2,853 per month without dependents. This rate is $956 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 Luis Obispo is approximately $7,939.48 with dependents or $7,501.48 without.
O-1 BAH: San Luis Obispo vs National Average
| San Luis Obispo | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $3,291 | $2,335 | +$956 |
| Without Dependents | $2,853 | $1,975 | +$878 |
O-1 Total Monthly Compensation in San Luis Obispo
Here is how O-1 pay breaks down for a service member with 2 years of service stationed in San Luis Obispo:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,320 | $4,320 |
| BAH | $3,291 | $2,853 |
| BAS | $328.48 | $328.48 |
| Total | $7,939.48 | $7,501.48 |
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 Luis Obispo
- E-3 — $3,027/mo
- E-4 — $3,027/mo
- E-5 — $3,198/mo
- E-6 — $3,948/mo
- E-7 — $4,047/mo
- O-2 — $3,939/mo
- O-3 — $4,215/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-1 in San Luis Obispo?
The 2026 O-1 BAH rate in San Luis Obispo is $3,291/mo with dependents and $2,853/mo without dependents.
What is the total monthly pay for O-1 in San Luis Obispo?
An O-1 with 2 years of service in San Luis Obispo earns approximately $7,939.48/mo total compensation with dependents (base pay $4,320 + BAH $3,291 + BAS $328.48). Without dependents: $7,501.48/mo.
Is San Luis Obispo BAH above or below average?
O-1 BAH in San Luis Obispo is $956 above the national average of $2,335/mo with dependents.
O-1 BAH in San Luis Obispo, CA, in context
An O-1 with dependents in San Luis Obispo, CA draws $3,291/mo — 41% above the national average of $2,335 for this grade (40th of 299 MHAs). Without dependents the rate is $2,853/mo, a $438 difference.
Promotion changes housing money here: pinning on O-2 raises BAH in this MHA by $648/mo (to $3,939), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.