The Naval Postgraduate School and the Presidio of Monterey’s Defense Language Institute bring a steady military population to the Monterey Peninsula. Coastal California rents keep this MHA’s BAH well above average. An E-5 with dependents receives $3,465/month in this area. The full official table for Monterey, CA (MHA CA039) is below — every pay grade, with and without dependents, from 2026 DTMO rates, with 2027 projections marked where shown.
2026 BAH rates: Monterey, CA
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E1 | $3,249 | $2,493 |
| E2 | $3,249 | $2,493 |
| E3 | $3,249 | $2,493 |
| E4 | $3,249 | $2,493 |
| E5 | $3,465 | $2,844 |
| E6 | $3,867 | $3,054 |
| E7 | $4,218 | $3,258 |
| E8 | $4,599 | $3,549 |
| E9 | $4,956 | $3,717 |
| W1 | $3,894 | $3,183 |
| W2 | $4,374 | $3,546 |
| W3 | $4,842 | $3,720 |
| W4 | $5,001 | $3,951 |
| W5 | $5,196 | $4,305 |
| O1E | $4,293 | $3,462 |
| O2E | $4,773 | $3,639 |
| O3E | $5,031 | $3,861 |
| O1 | $3,519 | $3,030 |
| O2 | $3,864 | $3,396 |
| O3 | $4,824 | $3,723 |
| O4 | $5,259 | $4,245 |
| O5 | $5,565 | $4,464 |
| O6 | $5,613 | $4,821 |
| O7 | $5,658 | $4,908 |
| O8 | $5,658 | $4,908 |
| O9 | $5,658 | $4,908 |
| O10 | $5,658 | $4,908 |
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.