BAH 2026Military housing area CA039
Monterey, CA BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Monterey, CA military housing area, with and without dependents, and the 54 ZIP codes it covers.
On this page5 sections
- E‑5 with dependents
- $3,465a monthtied for 27th highest of 338
- E‑5 without dependents
- $2,844a month
- O‑3 with dependents
- $4,824a month12th highest of 338
- ZIP codes
- 54in this DoD area
Monterey, CA pays $3,465 a month for an E‑5 with dependents: the tied for 27th 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 CA039. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| 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 |
| Warrant officers | ||
| 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 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $4,293 | $3,462 |
| O‑2E | $4,773 | $3,639 |
| O‑3E | $5,031 | $3,861 |
| Officers | ||
| 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 |
| O‑8† | $5,658 | $4,908 |
| O‑9† | $5,658 | $4,908 |
| O‑10† | $5,658 | $4,908 |
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 54 ZIP codes in Monterey, CA (CA039). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 93943, the ZIP of Naval Support Activity Monterey.
Show all 54 ZIP codesAll 54 ZIP codes
- 939xx
- 93901 93902 93905 93906 93907 93908 93912 93915 93921 93922 93923 93924 93925 93926 93933 93940 93942 93943 93944 93950 93953 93955 93960 93962
- 950xx
- 95001 95003 95004 95005 95006 95007 95010 95012 95017 95018 95019 95023 95024 95025 95039 95041 95043 95045 95060 95061 95062 95063 95064 95065 95066 95067 95073 95075 95076 95077
Installations whose address is in this area
Military OneSource lists these installations at a ZIP code in CA039; the ZIP shown is the one in each installation’s main contact address.
Other areas in California
Areas whose DoD code starts with CA, with the E‑5 with-dependents rate for 2026.
- Barstow/Fort Irwin, CA$2,001
- Beale AFB, CA$2,967
- Bridgeport, CA$2,085
- Camp Pendleton, CA$3,963
- China Lake, CA$1,563
- Edwards AFB/Palmdale, CA$2,658
- El Centro, CA$1,986
- Fresno, CA$2,439
- Humboldt County, CA$1,827
- Lemoore NAS, CA$2,139
- Los Angeles, CA$3,882
- Marin/Sonoma, CA$3,303
- Monterey, CA$3,465
- Oakland, CA$3,759
- Riverside, CA$3,351
- Sacramento, CA$2,904
- San Bernardino, CA$3,288
- San Diego, CA$3,975
- San Francisco, CA$5,127
- San Luis Obispo, CA$3,198
- Santa Clara County, CA$4,659
- Stockton, CA$2,553
- Twenty Nine Palms MCB, CA$1,980
- Vallejo/Travis AFB, CA$3,369
- Vandenberg SFB, CA$3,333
- Ventura, CA$3,537
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.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.