2026 BAH Rates — San Francisco, CA
2026 Basic Allowance for Housing (BAH) for San Francisco, CA (Military Housing Area CA019), 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 | $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 | $7,215 | $5,634 |
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 San Francisco, CA?
In 2026, an E-5 with dependents stationed in San Francisco, CA receives $5,127 per month in tax-free BAH, or $4,086 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.