2026 BAH Calculator — San Antonio & JBSA
Select your pay grade and dependency status to see your exact 2026 Basic Allowance for Housing for the San Antonio, TX Military Housing Area — covering JBSA-Lackland, JBSA-Randolph, JBSA-Fort Sam Houston, and Camp Bullis. Rates are effective January 1, 2026, set by the Defense Travel Management Office.
Last updated: July 3, 2026 · Rates verified against DTMO 2026 tables
2026 BAH Rates — Enlisted (San Antonio, TX MHA)
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 | $1,728 | $1,359 |
| E-2 | $1,728 | $1,359 |
| E-3 | $1,728 | $1,359 |
| E-4 | $1,728 | $1,359 |
| E-5 | $1,869 | $1,500 |
| E-6 | $2,094 | $1,596 |
| E-7 | $2,112 | $1,731 |
| E-8 | $2,121 | $1,920 |
| E-9 | $2,157 | $1,977 |
2026 BAH Rates — Warrant Officers
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| W-1 | $2,109 | $1,692 |
| W-2 | $2,118 | $1,917 |
| W-3 | $2,130 | $1,986 |
| W-4 | $2,178 | $2,085 |
| W-5 | $2,280 | $2,097 |
2026 BAH Rates — Officers (including Prior Enlisted)
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| O-1E (prior enlisted) | $2,115 | $1,866 |
| O-2E (prior enlisted) | $2,124 | $1,965 |
| O-3E (prior enlisted) | $2,196 | $2,082 |
| O-1 | $1,905 | $1,584 |
| O-2 | $2,091 | $1,827 |
| O-3 | $2,127 | $2,007 |
| O-4 | $2,307 | $2,088 |
| O-5 | $2,457 | $2,100 |
| O-6 | $2,475 | $2,103 |
| O-7 | $2,490 | $2,112 |
Source: Defense Travel Management Office 2026 BAH tables, San Antonio TX Military Housing Area, effective 2026-01-01. Rates decreased about 2.9% from 2025; members already drawing the 2025 rate are generally protected by DoD individual rate protection.
Frequently Asked Questions
Did San Antonio BAH go up or down for 2026?
Down about 2.9% versus 2025. If you were already receiving BAH here in 2025, individual rate protection generally lets you keep the higher rate until your status changes (PCS, promotion with rate change, or dependency change).
Is BAH taxable?
No — BAH is non-taxable, and VA lenders count it as effective income when qualifying you for a mortgage. Dollar for dollar it stretches further than base pay.
Can BAH cover a mortgage in San Antonio?
Frequently, yes. With a VA loan — zero down, no PMI — many JBSA families put their full BAH toward ownership instead of rent. Use the calculator above for a rough monthly picture, then get exact numbers for your situation: how VA loans work, the full 2026 JBSA BAH buying-power guide, or call (210) 882-8583.
Which bases does the San Antonio rate cover?
The San Antonio, TX MHA covers all Joint Base San Antonio installations — Lackland, Randolph, Fort Sam Houston — plus Camp Bullis. See our best areas near JBSA guide and every San Antonio community we cover.