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BAH 2026Military housing area CA019

San Francisco, CA BAH 2026

DoD’s 2026 housing allowance for every pay grade in the San Francisco, CA military housing area, with and without dependents, and the 73 ZIP codes it covers.

  • In force January 1, 2026 to December 31, 2026
  • From DoD’s file BAH-ASCII-2026.zip
  • Verified October 13, 2026
On this page4 sections
  1. Rates by grade, 2026
  2. ZIP codes in this area
  3. Other areas in California
  4. How these rates work
E‑5 with dependents
$5,127a month1st highest of 338
E‑5 without dependents
$4,086a month
O‑3 with dependents
$5,556a month3rd highest of 338
ZIP codes
73in this DoD area
E‑5 with dependents, 2026: this area among all 338

San Francisco, CA pays $5,127 a month for an E‑5 with dependents: the 1st highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.

Monthly BAH by grade, 2026

The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for CA019. E‑1 to E‑4 with dependents share one rate here.

San Francisco, CA (CA019), January 1, 2026 – December 31, 2026, a month
GradeWith dependentsWithout dependents
Enlisted
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
Warrant officers
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
Officers with over 4 years of enlisted or warrant service
O‑1E$5,493$5,124
O‑2E$5,547$5,268
O‑3E$5,955$5,445
Officers
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
O‑8†$7,215$5,634
O‑9†$7,215$5,634
O‑10†$7,215$5,634

E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.

ZIP codes in this area

DoD’s 2026 file puts these 73 ZIP codes in San Francisco, CA (CA019). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 94005, one ZIP in this area, or at a ZIP the check below finds in this area.

Show all 73 ZIP codesAll 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
BAH calculator at 94005Basic pay + BAH + BAS at 94005

Other areas in California

Areas whose DoD code starts with CA, with the E‑5 with-dependents rate for 2026.

All 338 areas by state

How these rates work

  • BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
  • Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
  • ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Alert for BAH 2027 (January 1):RSS feedCalendar (.ics)How these work

Sources

Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.

  1. BAH rates, all locations and pay grades, 2026 (ASCII)Defense Travel Management Office · read
  2. 37 U.S.C. 403, Basic allowance for housingCornell LII (U.S. Code) · read