United States · BAH 2026 · California
San Francisco, CA BAH rates 2026
In San Francisco, CA, 2026 BAH runs from $3,573 a month (E-1 without dependents) to $7,215 (O-7 and above with dependents). An E-5 with dependents gets $5,127 a month, not taxed.
San Francisco, CA · E-5 · with dependents
$5,127 a month
$61,524 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $4,764 | $3,573 |
| E-2 | $4,764 | $3,573 |
| E-3 | $4,764 | $3,573 |
| E-4 | $4,764 | $3,573 |
| E-5 | $5,127 | $4,086 |
| E-6 | $5,454 | $4,443 |
| E-7 | $5,490 | $4,782 |
| E-8 | $5,529 | $5,196 |
| E-9 | $5,799 | $5,286 |
| W-1 | $5,472 | $4,644 |
| W-2 | $5,505 | $5,193 |
| W-3 | $5,559 | $5,301 |
| W-4 | $5,892 | $5,454 |
| W-5 | $6,297 | $5,496 |
| O-1E | $5,493 | $5,124 |
| O-2E | $5,547 | $5,268 |
| O-3E | $5,955 | $5,445 |
| O-1 | $5,172 | $4,401 |
| O-2 | $5,451 | $5,007 |
| O-3 | $5,556 | $5,331 |
| O-4 | $6,444 | $5,481 |
| O-5 | $7,089 | $5,499 |
| O-6 | $7,155 | $5,532 |
| O-7 and above | $7,215 | $5,634 |
What is take-home pay with BAH in San Francisco, CA?
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. These assume California is your state of legal residence. California taxes a resident’s military pay while stationed in the state, so state tax comes off basic pay here.
| 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 | $3,573.00 | $4,764.00 | $5,331.00 | $5,556.00 |
| 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 | −$51.65 | −$4.55 | −$320.83 | −$120.02 |
| Take-home a month | $6,978.07 | $8,372.49 | $11,268.21 | $12,059.79 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in San Francisco, CA?
DTMO’s 2026 list maps 73 ZIP codes to this housing area (CA019). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 73 ZIP codes
940xx: 94005, 94010, 94011, 94014, 94015, 94016, 94017, 94018, 94019, 94026, 94030, 94037, 94038, 94044, 94066, 94080, 94083
941xx: 94102, 94103, 94104, 94105, 94107, 94108, 94109, 94110, 94111, 94112, 94114, 94115, 94116, 94117, 94118, 94119, 94120, 94121, 94122, 94123, 94124, 94125, 94126, 94127, 94128, 94129, 94130, 94131, 94132, 94133, 94134, 94137, 94139, 94140, 94141, 94142, 94143, 94144, 94145, 94146, 94147, 94151, 94158, 94159, 94160, 94161, 94163, 94164, 94172, 94177, 94188
944xx: 94401, 94402, 94403, 94404, 94497
How does San Francisco, CA BAH compare?
For an E-5 with dependents, San Francisco, CA pays $5,127 a month: number 1 of 338 housing areas, and $3,066 above the middle of all areas ($2,061). Other housing areas in California:
- Barstow/Fort Irwin, CA E-5 with dependents $2,001
- Beale AFB, CA E-5 with dependents $2,967
- Bridgeport, CA E-5 with dependents $2,085
- Camp Pendleton, CA E-5 with dependents $3,963
- China Lake, CA E-5 with dependents $1,563
- Edwards AFB/Palmdale, CA E-5 with dependents $2,658
- El Centro, CA E-5 with dependents $1,986
- Fresno, CA E-5 with dependents $2,439
- Humboldt County, CA E-5 with dependents $1,827
- Lemoore NAS, CA E-5 with dependents $2,139
- Los Angeles, CA E-5 with dependents $3,882
- Marin/Sonoma, CA E-5 with dependents $3,303
- Monterey, CA E-5 with dependents $3,465
- Oakland, CA E-5 with dependents $3,759
- Riverside, CA E-5 with dependents $3,351
- Sacramento, CA E-5 with dependents $2,904
- San Bernardino, CA E-5 with dependents $3,288
- San Diego, CA E-5 with dependents $3,975
- San Luis Obispo, CA E-5 with dependents $3,198
- Santa Clara County, CA E-5 with dependents $4,659
- Stockton, CA E-5 with dependents $2,553
- Twenty Nine Palms MCB, CA E-5 with dependents $1,980
- Vallejo/Travis AFB, CA E-5 with dependents $3,369
- Vandenberg SFB, CA E-5 with dependents $3,333
- Ventura, CA E-5 with dependents $3,537
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.
- California minimum wage The California minimum wage for 2026 and 2027, with full-time pay.
- California paycheck calculator Take-home pay for a civilian job in California, after federal and state tax.
Questions about BAH in San Francisco, CA
What is E-5 BAH in San Francisco, CA for 2026?
$5,127 a month with dependents and $4,086 without ($61,524 and $49,032 a year). That ranks 1 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 Francisco, CA?
An O-3 gets $5,556 a month with dependents and $5,331 without in 2026. A W-2 gets $5,505 and $5,193.
How much BAH does an E-1 get in San Francisco, CA?
$4,764 a month with dependents and $3,573 without. E-1 to E-4 get the same rates here.
Which ZIP codes use San Francisco, CA BAH rates?
73 ZIP codes in DTMO’s 2026 list map to this housing area (CA019): 94005, 94010, 94011, 94014, 94015 and 68 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in San Francisco, CA 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 $7,532.35 a month here with allowances and takes home about $6,978.07. These assume California is your state of legal residence. California taxes a resident’s military pay while stationed in the state, so state tax comes off basic pay here.
When will San Francisco, CA 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.