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BAH 2026Military housing area CA392

San Luis Obispo, CA BAH 2026

DoD’s 2026 housing allowance for every pay grade in the San Luis Obispo, CA military housing area, with and without dependents, and the 43 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
$3,198a month42nd highest of 338
E‑5 without dependents
$2,679a month
O‑3 with dependents
$4,215a monthtied for 31st highest of 338
ZIP codes
43in this DoD area
E‑5 with dependents, 2026: this area among all 338

San Luis Obispo, CA pays $3,198 a month for an E‑5 with dependents: the 42nd 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 CA392. E‑1 to E‑4 with dependents share one rate here.

San Luis Obispo, CA (CA392), January 1, 2026 – December 31, 2026, a month
GradeWith dependentsWithout dependents
Enlisted
E‑1$3,027$2,358
E‑2$3,027$2,358
E‑3$3,027$2,358
E‑4$3,027$2,358
E‑5$3,198$2,679
E‑6$3,948$2,961
E‑7$4,047$3,036
E‑8$4,152$3,348
E‑9$4,413$3,576
Warrant officers
W‑1$3,969$2,976
W‑2$4,089$3,345
W‑3$4,218$3,600
W‑4$4,485$3,966
W‑5$4,806$4,068
Officers with over 4 years of enlisted or warrant service
O‑1E$4,062$3,195
O‑2E$4,200$3,525
O‑3E$4,536$3,942
Officers
O‑1$3,291$2,853
O‑2$3,939$3,144
O‑3$4,215$3,675
O‑4$4,920$4,047
O‑5$5,430$4,101
O‑6$5,475$4,197
O‑7$5,520$4,272
O‑8†$5,520$4,272
O‑9†$5,520$4,272
O‑10†$5,520$4,272

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 43 ZIP codes in San Luis Obispo, CA (CA392). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 93401, one ZIP in this area.

Show all 43 ZIP codesAll 43 ZIP codes
934xx
93401 93402 93403 93405 93406 93407 93408 93409 93410 93412 93420 93421 93422 93423 93424 93426 93428 93430 93432 93433 93435 93442 93443 93444 93445 93446 93447 93448 93449 93450 93451 93452 93453 93461 93465 93475 93483
939xx
93920 93927 93928 93930 93932 93954
BAH calculator at 93401Basic pay + BAH + BAS at 93401

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