San Francisco sits at the very top of the national BAH table, and I double-checked it because the number is striking: an E-5 with dependents receives ,127/month here. It rose 2.7% from 2025, which still trails the city’s actual rent growth. The complete 2026 table for all 27 grades is below.
2026 BAH rates: San Francisco, CA
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E1 | $4,764 | $3,573 |
| E2 | $4,764 | $3,573 |
| E3 | $4,764 | $3,573 |
| E4 | $4,764 | $3,573 |
| E5 | $5,127 | $4,086 |
| E6 | $5,454 | $4,443 |
| E7 | $5,490 | $4,782 |
| E8 | $5,529 | $5,196 |
| E9 | $5,799 | $5,286 |
| W1 | $5,472 | $4,644 |
| W2 | $5,505 | $5,193 |
| W3 | $5,559 | $5,301 |
| W4 | $5,892 | $5,454 |
| W5 | $6,297 | $5,496 |
| O1E | $5,493 | $5,124 |
| O2E | $5,547 | $5,268 |
| O3E | $5,955 | $5,445 |
| O1 | $5,172 | $4,401 |
| O2 | $5,451 | $5,007 |
| O3 | $5,556 | $5,331 |
| O4 | $6,444 | $5,481 |
| O5 | $7,089 | $5,499 |
| O6 | $7,155 | $5,532 |
| O7 | $7,215 | $5,634 |
| O8 | $7,215 | $5,634 |
| O9 | $7,215 | $5,634 |
| O10 | $7,215 | $5,634 |
Notes
- O-8, O-9 and O-10 are paid at the O-7 rate, per DTMO tables.
- BAH is tax-free and rate-protected: your rate cannot drop while you stay in the same area.
- Use the BAH Calculator 2027 for an exact figure by ZIP code, or try the duty-station comparison before a PCS.