2026 BAH Rates — Monterey, CA
2026 Basic Allowance for Housing (BAH) for Monterey, CA (Military Housing Area CA039), effective January 1, 2026. BAH is a tax-free monthly allowance set by your duty-station ZIP code, pay grade, and whether you have dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $3,249 | $2,493 |
| E-2 | $3,249 | $2,493 |
| E-3 | $3,249 | $2,493 |
| E-4 | $3,249 | $2,493 |
| E-5 | $3,465 | $2,844 |
| E-6 | $3,867 | $3,054 |
| E-7 | $4,218 | $3,258 |
| E-8 | $4,599 | $3,549 |
| E-9 | $4,956 | $3,717 |
| W-1 | $3,894 | $3,183 |
| W-2 | $4,374 | $3,546 |
| W-3 | $4,842 | $3,720 |
| W-4 | $5,001 | $3,951 |
| W-5 | $5,196 | $4,305 |
| O-1E | $4,293 | $3,462 |
| O-2E | $4,773 | $3,639 |
| O-3E | $5,031 | $3,861 |
| O-1 | $3,519 | $3,030 |
| O-2 | $3,864 | $3,396 |
| O-3 | $4,824 | $3,723 |
| O-4 | $5,259 | $4,245 |
| O-5 | $5,565 | $4,464 |
| O-6 | $5,613 | $4,821 |
| O-7 | $5,658 | $4,908 |
Estimate your own pay with the BAH calculator and the full military pay calculator. See all BAH locations or the by-state overview.
Frequently asked questions
How much is BAH in Monterey, CA?
In 2026, an E-5 with dependents stationed in Monterey, CA receives $3,465 per month in tax-free BAH, or $2,844 without dependents. Rates vary by pay grade — see the full table above.
Is BAH taxable?
No. BAH is a tax-free housing allowance, which makes it worth more than the same amount of taxable base pay.