Naval Base San Diego: 2026 BAH, On-Post Housing and Neighborhoods
An E-5 with dependents at Naval Base San Diego receives $3,975 a month in BAH for 2026 ($3,147 without dependents) in the San Diego, CA (CA038) area. On post, Navy-owned Military Family Housing, assigned by the CNRSW Family Housing Welcome Center. Privatized unaccompanied housing at Pacific Beacon and Palmer Hall. Over 9,000 government homes at 38 housing sites in the San Diego area; about 8,600 enlisted units and 600 officer units. A neighborhood guide for this area is coming; the BAH table and on-post housing details below are complete.
Questions about BAH, on-post housing or PCS timing?
Call or text Chris Harris, REALTOR® (Real Broker, LLC). He answers these himself.
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2026 BAH rates at Naval Base San Diego, E-1 to O-10
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $3,666 | $2,763 |
| E-2 | $3,666 | $2,763 |
| E-3 | $3,666 | $2,763 |
| E-4 | $3,666 | $2,763 |
| E-5 | $3,975 | $3,147 |
| E-6 | $4,404 | $3,387 |
| E-7 | $4,446 | $3,678 |
| E-8 | $4,488 | $4,065 |
| E-9 | $4,671 | $4,188 |
| W-1 | $4,425 | $3,564 |
| W-2 | $4,464 | $4,062 |
| W-3 | $4,521 | $4,206 |
| W-4 | $4,731 | $4,410 |
| W-5 | $4,992 | $4,455 |
| O-1E | $4,449 | $3,972 |
| O-2E | $4,506 | $4,161 |
| O-3E | $4,770 | $4,398 |
| O-1 | $4,032 | $3,351 |
| O-2 | $4,401 | $3,873 |
| O-3 | $4,518 | $4,248 |
| O-4 | $5,082 | $4,440 |
| O-5 | $5,493 | $4,458 |
| O-6 | $5,541 | $4,494 |
| O-7 to O-10 | $5,586 | $4,575 |
On-post housing at Naval Base San Diego
How it works
Apply at the Family Housing Welcome Center or email sandiego_housing@us.navy.mil with the assessment package, orders, certification of family members and a leave and earnings statement. Renew your application every six months.
Who runs it
Navy-owned Military Family Housing, assigned by the CNRSW Family Housing Welcome Center. Privatized unaccompanied housing at Pacific Beacon and Palmer Hall.
The waitlist
The official page says waits range from 0-3 months to 18-24 months depending on site.
Who can live there
All officers and enlisted with accompanying dependents may apply. Families with Category IV or V EFMP members are housed on a priority basis.
Who to call
- Housing Service Center / Family Housing Welcome Center, 2625 LeHardy Street: 619-556-8443
- Navy Unaccompanied Housing Office: 619-556-1077
Official housing page: Military OneSource, Naval Base San Diego housing. Phone numbers and wait times change, so confirm before you rely on them.
Off-post neighborhoods near Naval Base San Diego
Neighborhood guide coming for Naval Base San Diego
We do not yet have complete, verified neighborhood and commute data for this area, so we are not going to show you a guess. Your BAH is in the table above. Chris can walk you through BAH and PCS timing directly, and can introduce you to a licensed Real Broker agent here if you want to rent or buy.
Frequently asked questions about Naval Base San Diego housing
How much is BAH for an E-5 with dependents at Naval Base San Diego in 2026?
In the San Diego, CA (CA038) military housing area, the 2026 BAH for an E-5 with dependents is $3,975 a month and $3,147 without dependents. The full E-1 to O-10 table is above on this page.
Source: DoD Defense Travel Management Office, BAH Rate Lookup
Which BAH area covers Naval Base San Diego?
DoD lists Naval Base San Diego in the San Diego, CA (CA038) housing area. You are paid the rate for your duty station's ZIP code, not for where you choose to live, so living farther out does not change your BAH.
Source: DoD BAH Rate Lookup
How long is the on-post housing waitlist at Naval Base San Diego?
The official page says waits range from 0-3 months to 18-24 months depending on site.
Who runs on-post housing at Naval Base San Diego and who do I call?
Navy-owned Military Family Housing, assigned by the CNRSW Family Housing Welcome Center. Privatized unaccompanied housing at Pacific Beacon and Palmer Hall. Apply at the Family Housing Welcome Center or email sandiego_housing@us.navy.mil with the assessment package, orders, certification of family members and a leave and earnings statement. Renew your application every six months. Numbers: Housing Service Center / Family Housing Welcome Center, 2625 LeHardy Street: 619-556-8443; Navy Unaccompanied Housing Office: 619-556-1077. Confirm numbers and wait times before relying on them.
What are the key numbers for on-post housing at Naval Base San Diego?
Over 9,000 government homes at 38 housing sites in the San Diego area. About 8,600 enlisted units and 600 officer units. The same office assigns MCAS Miramar and MCRD San Diego families. Applications must be renewed every six months.
Who has to live in the barracks or follow special rules at Naval Base San Diego?
All officers and enlisted with accompanying dependents may apply. Families with Category IV or V EFMP members are housed on a priority basis.
When is the housing office open at Naval Base San Diego?
The official page lists: Mon-Fri 8:00 a.m.-5:00 p.m.. Hours change, so call ahead.
Can I use a VA loan to buy near Naval Base San Diego instead?
Yes, if you are eligible: VA loans typically need no down payment. Compare a lender's quote with your $3,975 E-5 BAH. We have no verified Naval Base San Diego neighborhood prices yet, so we publish no payment estimate.
Get your numbers
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