The E-5 rate here is $3,009 above the typical US housing area ($2,118), and ranks 299 of 299 from lowest to highest. Housing area code CA019, covering 73 ZIP codes.
Enlisted
Warrant officers
Officers
Officers with prior enlisted service
Total pay for an E-5 here
An E-5 with over 6 years of service and dependents stationed in this housing area receives $4,110.00 in basic pay, $5,127 in BAH and $476.95 in BAS, for $9,713.95 a month. The BAH and BAS part, $5,603.95, is not taxed. Work out your own total or your take-home pay.
ZIP codes in this housing area
Includes 94005, 94010, 94011, 94014, 94015, 94016, 94017, 94018, 94019, 94026, 94030, 94037 and 61 more. BAH is based on the ZIP code of your duty station, not where you choose to live. Look up a ZIP code.
Common questions
What is BAH for an E-5 at San Francisco? $5,127 a month with dependents and $4,086 without, in 2026. That is $61,524 a year, tax-free.
How much is BAH for an E-4 at San Francisco? $4,764 a month with dependents and $3,573 without.
How much is BAH for an O-3 at San Francisco? $5,556 a month with dependents and $5,331 without.
What is the GI Bill housing allowance near San Francisco? For a full-time student attending classes in person at a school in this housing area, the Post-9/11 GI Bill pays the E-5 with-dependents rate: $5,127 a month in 2026.
When do 2027 BAH rates come out? Usually in mid-December. They take effect January 1, and rate protection keeps your current amount if the new rate is lower.
