Updated February 2026

BAH Rates Santa Clara County, CA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Santa Clara County military housing area (MHA: CA044), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$4,659

$55,908/year

E-5 without Dependents

$3,798

$45,576/year

O-3 with Dependents

$5,199

$62,388/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$4,356	$52,272
E-2	$4,356	$52,272
E-3	$4,356	$52,272
E-4	$4,356	$52,272
E-5	$4,659	$55,908
E-6	$4,977	$59,724
E-7	$5,058	$60,696
E-8	$5,145	$61,740
E-9	$5,382	$64,584
Warrant Officer
W-1	$4,998	$59,976
W-2	$5,094	$61,128
W-3	$5,202	$62,424
W-4	$5,448	$65,376
W-5	$5,751	$69,012
Commissioned Officer (Prior Enlisted)
O-1E	$5,070	$60,840
O-2E	$5,184	$62,208
O-3E	$5,496	$65,952
Commissioned Officer
O-1	$4,704	$56,448
O-2	$4,974	$59,688
O-3	$5,199	$62,388
O-4	$5,856	$70,272
O-5	$6,333	$75,996
O-6	$6,387	$76,644
O-7	$6,441	$77,292

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,318	$39,816
E-2	$3,318	$39,816
E-3	$3,318	$39,816
E-4	$3,318	$39,816
E-5	$3,798	$45,576
E-6	$4,086	$49,032
E-7	$4,368	$52,416
E-8	$4,728	$56,736
E-9	$4,815	$57,780
Warrant Officer
W-1	$4,257	$51,084
W-2	$4,725	$56,700
W-3	$4,830	$57,960
W-4	$4,992	$59,904
W-5	$5,076	$60,912
Commissioned Officer (Prior Enlisted)
O-1E	$4,656	$55,872
O-2E	$4,797	$57,564
O-3E	$4,971	$59,652
Commissioned Officer
O-1	$4,053	$48,636
O-2	$4,560	$54,720
O-3	$4,860	$58,320
O-4	$5,055	$60,660
O-5	$5,100	$61,200
O-6	$5,178	$62,136
O-7	$5,274	$63,288

54 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Santa Clara County (CA044) Military Housing Area:

94022 94024 94040 94041 94043 94086 94087 94089 94301 94304 94305 94306 95002 95008 95014 95020 95030 95032 95035 95037 95046 95050 95051 95054 95070 95110 95111 95112 95113 95116 95117 95118 95119 95120 95121 95122 95123 95124 95125 95126 95127 95128 95129 95130 95131 95132 95133 95134 95135 95136 95138 95139 95140 95148

Frequently Asked Questions

What is the BAH rate for an E-5 in Santa Clara County?

The 2026 BAH rate for an E-5 with dependents in Santa Clara County, CA is $4,659 per month ($55,908 per year). Without dependents, the rate is $3,798 per month.

How many ZIP codes are in the Santa Clara County MHA?

The Santa Clara County Military Housing Area (CA044) includes 54 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.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all California BAH rates →

How Santa Clara County, CA BAH compares nationally

Santa Clara County, CA is the 5th most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $4,659/mo here, 103.6% above the national MHA average of $2,289. Rates this high usually track tight rental markets, so run the numbers before deciding to live on the local economy.

Statewide, this ranks 2nd of 26 MHAs — between San Francisco, CA ($5,127/mo, highest) and China Lake, CA ($1,563/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $842/mo (22.9%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.