United States · BAH 2026 · Texas
San Antonio, TX BAH rates 2026
In San Antonio, TX, 2026 BAH runs from $1,359 a month (E-1 without dependents) to $2,490 (O-7 and above with dependents). An E-5 with dependents gets $1,869 a month, not taxed.
San Antonio, TX · E-5 · with dependents
$1,869 a month
$22,428 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,728 | $1,359 |
| E-2 | $1,728 | $1,359 |
| E-3 | $1,728 | $1,359 |
| E-4 | $1,728 | $1,359 |
| E-5 | $1,869 | $1,500 |
| E-6 | $2,094 | $1,596 |
| E-7 | $2,112 | $1,731 |
| E-8 | $2,121 | $1,920 |
| E-9 | $2,157 | $1,977 |
| W-1 | $2,109 | $1,692 |
| W-2 | $2,118 | $1,917 |
| W-3 | $2,130 | $1,986 |
| W-4 | $2,178 | $2,085 |
| W-5 | $2,280 | $2,097 |
| O-1E | $2,115 | $1,866 |
| O-2E | $2,124 | $1,965 |
| O-3E | $2,196 | $2,082 |
| O-1 | $1,905 | $1,584 |
| O-2 | $2,091 | $1,827 |
| O-3 | $2,127 | $2,007 |
| O-4 | $2,307 | $2,088 |
| O-5 | $2,457 | $2,100 |
| O-6 | $2,475 | $2,103 |
| O-7 and above | $2,490 | $2,112 |
What is take-home pay with BAH in San Antonio, TX?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. Texas has no income tax on wages, so no state tax comes off.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $1,359.00 | $1,728.00 | $2,007.00 | $2,127.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | none | none | none | none |
| Take-home a month | $4,815.73 | $5,341.04 | $8,265.04 | $8,750.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in San Antonio, TX?
DTMO’s 2026 list maps 113 ZIP codes to this housing area (TX285). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 113 ZIP codes
780xx: 78002, 78023, 78054, 78069, 78070, 78073
781xx: 78101, 78108, 78109, 78112, 78115, 78123, 78124, 78130, 78131, 78132, 78133, 78135, 78148, 78150, 78152, 78154, 78155, 78156, 78163
782xx: 78201, 78202, 78203, 78204, 78205, 78206, 78207, 78208, 78209, 78210, 78211, 78212, 78213, 78214, 78215, 78216, 78217, 78218, 78219, 78220, 78221, 78222, 78223, 78224, 78225, 78226, 78227, 78228, 78229, 78230, 78231, 78232, 78233, 78234, 78235, 78236, 78237, 78238, 78239, 78240, 78241, 78242, 78243, 78244, 78245, 78246, 78247, 78248, 78249, 78250, 78251, 78252, 78253, 78254, 78255, 78256, 78257, 78258, 78259, 78260, 78261, 78263, 78264, 78265, 78266, 78268, 78269, 78270, 78278, 78279, 78280, 78283, 78284, 78285, 78288, 78289, 78291, 78292, 78293, 78294, 78295, 78296, 78297, 78298, 78299
786xx: 78623, 78638, 78670
How does San Antonio, TX BAH compare?
For an E-5 with dependents, San Antonio, TX pays $1,869 a month: number 209 of 338 housing areas, and $192 below the middle of all areas ($2,061). Other housing areas in Texas:
- Abilene/Dyess AFB, TX E-5 with dependents $1,872
- Austin, TX E-5 with dependents $2,241
- Beaumont, TX E-5 with dependents $1,518
- Brownsville, TX E-5 with dependents $1,503
- College Station, TX E-5 with dependents $1,758
- Corpus Christi, TX E-5 with dependents $1,788
- Dallas, TX E-5 with dependents $2,469
- El Paso, TX E-5 with dependents $1,809
- Fort Hood, TX E-5 with dependents $1,695
- Fort Worth, TX E-5 with dependents $2,118
- Goodfellow AFB, TX E-5 with dependents $1,578
- Houston, TX E-5 with dependents $2,193
- Laughlin AFB/Del Rio, TX E-5 with dependents $1,470
- Lubbock, TX E-5 with dependents $1,476
- Waco, TX E-5 with dependents $1,755
- Wichita Fls/Sheppard AFB, TX E-5 with dependents $1,491
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- Texas minimum wage The Texas minimum wage for 2026 and 2027, with full-time pay.
- Texas paycheck calculator Take-home pay for a civilian job in Texas, after federal and state tax.
Questions about BAH in San Antonio, TX
What is E-5 BAH in San Antonio, TX for 2026?
$1,869 a month with dependents and $1,500 without ($22,428 and $18,000 a year). That ranks 209 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in San Antonio, TX?
An O-3 gets $2,127 a month with dependents and $2,007 without in 2026. A W-2 gets $2,118 and $1,917.
How much BAH does an E-1 get in San Antonio, TX?
$1,728 a month with dependents and $1,359 without. E-1 to E-4 get the same rates here.
Which ZIP codes use San Antonio, TX BAH rates?
113 ZIP codes in DTMO’s 2026 list map to this housing area (TX285): 78002, 78023, 78054, 78069, 78070 and 108 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in San Antonio, TX taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $5,318.35 a month here with allowances and takes home about $4,815.73. Texas has no income tax on wages, so no state tax comes off.
When will San Antonio, TX BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.