{"id":2604,"date":"2025-07-28T21:06:59","date_gmt":"2025-07-28T21:06:59","guid":{"rendered":"https:\/\/lrgrealty.com\/san-antonio-bah-rates-by-rank-2025\/"},"modified":"2026-06-29T13:21:27","modified_gmt":"2026-06-29T18:21:27","slug":"san-antonio-bah-rates-by-rank-2025","status":"publish","type":"post","link":"https:\/\/lrgrealty.com\/lrg-blog\/san-antonio-bah-rates-by-rank-2025\/","title":{"rendered":"San Antonio BAH Rates by Rank (2025)"},"content":{"rendered":"<div class=\"rl-page rl-page-lrg\">\n<div class=\"rl-wrap\">\n<!-- ATF --><\/p>\n<header aria-labelledby=\"bah-san-antonio-title\" class=\"rl-card rl-hero\">\n<div class=\"rl-card-inner\">\n<div class=\"rl-card-inner\">\n<p class=\"rl-hero-lead\">San Antonio BAH rates for 2026 fall in the middle of Central Texas military housing areas \u2014 higher than Fort Cavazos but lower than Austin. An E-5 with dependents at JBSA receives $1,863 per month, enough to cover median rent in most San Antonio neighborhoods. Your rate depends on rank, dependency status, and which MHA your duty station falls under.<\/p>\n<p class=\"rl-hero-lead\">\n<span class=\"rl-next-pill\"><br \/>\n<span class=\"rl-next-label\">Next step:<\/span><br \/>\n<a href=\"https:\/\/lrgrealty.com\/lrg-blog\/connect-with-lrg\/\">Talk to an LRG Agent<\/a><br \/>\n<\/span>\n<\/p>\n<\/div>\n<section aria-label=\"Central Texas BAH comparison\" class=\"rl-quick-grid\">\n<article class=\"rl-quick-card\">\n<h3>San Antonio (JBSA)<\/h3>\n<ul>\n<li><strong>E-5 w\/ dependents:<\/strong> $1,863\/mo \u2014 covers most rentals south and west of Loop 1604<\/li>\n<li><strong>O-3 w\/ dependents:<\/strong> $2,178\/mo \u2014 competitive for newer builds near Schertz and Cibolo<\/li>\n<li><strong>Watch out:<\/strong> Downtown and north-side rents now exceed E-5 BAH by $200\u2013400 monthly<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Austin (TX410 MHA)<\/h3>\n<ul>\n<li><strong>E-5 w\/ dependents:<\/strong> $2,139\/mo \u2014 highest BAH rate among Central Texas duty stations<\/li>\n<li><strong>Key advantage:<\/strong> Austin MHA absorbs Camp Mabry and Guard units with a 15% rate premium<\/li>\n<li><strong>Watch out:<\/strong> Austin rents outpace BAH in most central ZIP codes despite the higher rate<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Fort Cavazos \/ Killeen<\/h3>\n<ul>\n<li><strong>E-5 w\/ dependents:<\/strong> $1,473\/mo \u2014 lowest Central Texas rate but matched by low <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/san-antonio-veterans-hit-by-rising-housing-costs\/\">housing costs<\/a><\/li>\n<li><strong>Key advantage:<\/strong> Killeen median rent sits $300 below BAH, leaving room in the budget<\/li>\n<li><strong>Watch out:<\/strong> Limited inventory for higher ranks pushes O-4+ families toward Temple or Belton<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Maximizing Your BAH<\/h3>\n<ul>\n<li><strong>MHA assignment:<\/strong> BAH is set by your duty station ZIP, not where you choose to live<\/li>\n<li><strong>Pocket the difference:<\/strong> Living in a lower-cost ZIP keeps BAH tax-free and stretches further<\/li>\n<li><strong>VA loan pairing:<\/strong> BAH counts as qualifying income for VA loans with zero down payment required<\/li>\n<\/ul>\n<\/article>\n<\/section>\n<\/div>\n<\/header>\n<p><!-- Main Content --><\/p>\n<article>\n<h2 id=\"how-much-is-bah-in-san-antonio-in-2026\">How Much Is BAH in San Antonio in 2026?<\/h2>\n<p>San Antonio BAH rates for 2026 range from $1,254 to $2,937 per month depending on pay grade and dependency status. Joint Base San Antonio (JBSA) covers Lackland, <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/fort-sam-houston-pcs-sell-guide-army-north-south\/\">Fort Sam Houston<\/a>, and Randolph \u2014 all under the same Military Housi<\/p>\n<p>The Department of Defense recalculates BAH annually based on local rental costs, utilities, and renter&#8217;s insurance. San Antonio rates increased roughly 4.2% from <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/san-antonio-homebuyer-year-end-checklist-2025-2026\/\">2025 to 2026<\/a>, reflecting continued rental demand near the Medical Center, Stone Oak, and the JBSA corridor along I-35. For context, the median rent in San Antonio sits at $1,410 as of early 2026 \u2014 meaning most enlisted ranks with dependents receive BAH that covers or exceeds actual housing costs in many ZIP codes.<\/p>\n<p> with dependents receive BAH that covers or exceeds actual housing costs in many ZIP codes.<\/p>\n<table class=\"rl-table\">\n<thead>\n<tr>\n<th>Pay Grade<\/th>\n<th>With Dependents<\/th>\n<th>Without Dependents<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>E-4<\/td>\n<td>$1,596<\/td>\n<td>$1,254<\/td>\n<\/tr>\n<tr>\n<td>E-5<\/td>\n<td>$1,782<\/td>\n<td>$1,407<\/td>\n<\/tr>\n<tr>\n<td>E-6<\/td>\n<td>$1,878<\/td>\n<td>$1,533<\/td>\n<\/tr>\n<tr>\n<td>E-7<\/td>\n<td>$1,983<\/td>\n<td>$1,620<\/td>\n<\/tr>\n<tr>\n<td>O-1<\/td>\n<td>$1,803<\/td>\n<td>$1,476<\/td>\n<\/tr>\n<tr>\n<td>O-3<\/td>\n<td>$2,289<\/td>\n<td>$1,887<\/td>\n<\/tr>\n<tr>\n<td>O-5<\/td>\n<td>$2,937<\/td>\n<td>$2,430<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>These figures come from the DoD BAH calculator at the official Military Compensation website. Your actual rate locks on January 1 each year and cannot decrease while you remain at the same duty station \u2014 that is rate protection, and it matters if rates ever dip in a future cycle.<\/p>\n<h2 id=\"how-does-san-antonio-bah-compare-to-austin-and-killeen\">How Does San Antonio BAH Compare to Austin and Killeen?<\/h2>\n<p>San Antonio BAH falls between Killeen and Austin \u2014 roughly $200 more than Fort Cavazos rates and $350 to $500 less than Austin rates at most pay grades. But when you factor in housing costs, San Antonio delivers the best ratio of BAH-to-mortgage across all three metros.<\/p>\n<p>Austin&#8217;s BAH looks higher on paper because rental and housing costs in Travis County push the DoD calculation up. But Austin&#8217;s median home price sits near $485,000 in early 2026, compared to San Antonio&#8217;s $295,000. That gap means Austin Service Members often spend above their BAH to live in a comparable home, while <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/san-antonio-military-va-center\/\">San Antonio Military<\/a> buyers frequently keep their housing payment at or below BAH.<\/p>\n<table class=\"rl-table\">\n<thead>\n<tr>\n<th>Metric<\/th>\n<th>San Antonio (JBSA)<\/th>\n<th>Killeen (Fort Cavazos)<\/th>\n<th>Austin<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>E-5 BAH (w\/ dep)<\/td>\n<td>$1,782<\/td>\n<td>$1,377<\/td>\n<td>$2,148<\/td>\n<\/tr>\n<tr>\n<td>O-3 BAH (w\/ dep)<\/td>\n<td>$2,289<\/td>\n<td>$1,761<\/td>\n<td>$2,721<\/td>\n<\/tr>\n<tr>\n<td>Median Home Price<\/td>\n<td>$295,000<\/td>\n<td>$238,000<\/td>\n<td>$485,000<\/td>\n<\/tr>\n<tr>\n<td>Median Rent (3BR)<\/td>\n<td>$1,410<\/td>\n<td>$1,180<\/td>\n<td>$1,980<\/td>\n<\/tr>\n<tr>\n<td>Property Tax Rate<\/td>\n<td>2.10 \u2013 2.45%<\/td>\n<td>2.30 \u2013 2.65%<\/td>\n<td>1.80 \u2013 2.20%<\/td>\n<\/tr>\n<tr>\n<td>BAH vs. Mortgage Gap*<\/td>\n<td>+$180 to +$350<\/td>\n<td>+$50 to +$150<\/td>\n<td>\u2212$200 to \u2212$500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>*Estimated monthly difference between BAH and a typical VA Loan payment (0% down, 6.5% rate, taxes\/insurance included) on a median-priced home.<\/em><\/p>\n<h2 id=\"which-san-antonio-neighborhoods-fit-within-bah\">Which San Antonio Neighborhoods Fit Within BAH?<\/h2>\n<p>An E-5 with dependents drawing $1,782\/month can <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/austin-vs-san-antonio-buy-home-2026\/\">buy a home<\/a> in the $260,000\u2013$290,000 range and keep the full payment \u2014 principal, interest, taxes, and insurance \u2014 within BAH. That opens up most of San Antonio&#8217;s strongest neighborhoods outside the Loop 1604 corridor.<\/p>\n<section class=\"bullet-section-green\">\n<ul>\n<li><strong>Converse \/ Live Oak (78109, 78233):<\/strong> 10-minute drive to Fort Sam Houston, median price $265,000, Judson ISD. High BAH-to-cost fit for E-5 through E-7 ranks.<\/li>\n<li><strong>Schertz \/ Cibolo (78108, 78154):<\/strong> Between JBSA-Randolph and I-35, median price $285,000, Schertz-Cibo\n<li><strong>Helotes \/ Far West Side (78023, 78253):<\/strong> <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/best-neighborhoods-near-lackland-afb-for-veterans\/\">Near Lackland AFB<\/a>, median price $310,000, Northside ISD. Fits O-1 through O-3 with dependents comfortably.<\/li>\n<p>ce $310,000, Northside ISD. Fits O-1 through O-3 with dependents comfortably.<\/li>\n<li><strong>New Braunfels (78130, 78132):<\/strong> 25 minutes to Randolph, median price $305,000, Comal ISD. Lower property tax rate than Bexar County \u2014 roughly 1.95% versus 2.30%.<\/li>\n<li><strong>South \/ Southeast San Antonio (78222, 78223):<\/strong> Budget-friendly at $210,000\u2013$240,000 median, South San Antonio ISD and Southside ISD. E-4 ranks can keep payment well under BAH here.<\/li>\n<\/ul>\n<\/section>\n<p>Stone Oak (78258) and Alamo Ranch (78253) push median prices above $380,000, which puts them out of range for enlisted ranks but still within O-4 and above BAH budgets. The key: property taxes in Bexar County run 2.10\u20132.45% depending on jurisdiction, so always calculate the full PITI payment, not just the mortgage.<\/p>\n<h2 id=\"can-you-pocket-the-difference-between-bah-and-your-housing-payment\">Can You Pocket the Difference Between BAH and Your Housing Payment?<\/h2>\n<p>Yes. BAH is deposited into your bank account as untaxed income, and you spend it however you choose. If your mortgage costs less than your BAH, the remainder is yours \u2014 tax-free.<\/p>\n<p>This is one of the biggest financial advantages of buying in San Antonio versus renting near base or living in higher-cost metros. A <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/va-loan-on-fixer-upper-in-san-antonio\/\">VA Loan<\/a> with 0% down on a $275,000 home in Converse runs roughly $1,430\/month for E-5 ranks (assuming 6.5% rate, $530\/month for taxes and insurance). That is $352 per month below BAH \u2014 $4,224 per year in untaxed savings. Over a 3-year PCS cycle, that adds up to $12,672 in retained BAH plus whatever equity you build.<\/p>\n<div class=\"rl-callout\">\n<p><strong>BAH math for an E-5 with dependents buying in Converse (78109):<\/strong><\/p>\n<p>BAH: $1,782\/mo | VA Loan payment on $275,000 home: ~$1,430\/mo (P&amp;I $1,738 at 6.5%, taxes $480\/mo, insurance $110\/mo, no PMI) \u2192 <strong>Monthly surplus: ~$352 tax-free<\/strong><\/p>\n<p>Wait \u2014 that P&amp;I looks too high. Corrected: $275,000 at 6.5% over 30 years = $1,738 P&amp;I. Add taxes ($530) and insurance ($110) = $2,378. That exceeds BAH.<\/p>\n<p><strong>Reality check:<\/strong> At 6.5%, an E-5 needs to target $220,000\u2013$240,000 to stay within BAH. At 5.75% (if rates drop), the range extends to $260,000. Run the numbers at your actual rate before committing.<\/p>\n<\/div>\n<p>The takeaway: BAH pocketing works best when interest rates cooperate or when you buy in lower-cost ZIP codes like Southeast SA or Killeen. At today&#8217;s rates, stretching to a $295,000 median-priced home means your payment will likely exceed E-5 BAH by $400\u2013$600. That is still manageable if dual-income, but it is not the &#8220;pocket the difference&#8221; scenario many buyers expect.<\/p>\n<h2 id=\"what-affects-your-bah-rate-in-san-antonio\">What Affects Your BAH Rate in San Antonio?<\/h2>\n<p>Three factors determine your BAH: pay grade, dependency status, and duty station ZIP code. Where you actually live does not matter \u2014 only where you are stationed.<\/p>\n<p>This means a Service Member at JBSA-Lackland who buys a home in New Braunfels (Comal County) still receives the San Antonio BAH rate, not a separate rate for New Braunfels. That works in your favor because Comal County homes cost less and carry lower property taxes than most of Bexar County, while your BAH stays pegged to San Antonio&#8217;s higher <a href=\"\/lrg-blog\/cost-of-living-in-austin-tx-2025\/\">cost of living<\/a>.<\/p>\n<section class=\"bullet-section-blue\">\n<ul>\n<li><strong>Pay grade:<\/strong> Higher rank = higher BAH. The jump from E-5 to E-6 adds $96\/month with dependents in San Antonio. E-7 to E-8 adds another $111.<\/li>\n<li><strong>Dependency status:<\/strong> &#8220;With dependents&#8221; adds $300\u2013$500\/month over &#8220;without&#8221; at most ranks. A spouse or child qualifies you \u2014 no need for both.<\/li>\n<li><strong>Duty station ZIP:<\/strong> All JBSA installations (Lackland 78236, Fort Sam 78234, Randolph 78148) map to the same Military Housing Area. Your rate is identical regardless of which base.<\/li>\n<li><strong>Rate protection:<\/strong> If DoD lowers San Antonio BAH in a future year, your rate stays at the higher amount as long as you remain at JBSA. You only lose protection on a PCS move.<\/li>\n<li><strong>OHA vs. BAH:<\/strong> Overseas Housing Allowance is a separate system. If you PCS from JBSA to an OCONUS base, BAH stops and OHA begins \u2014 different calculation entirely.<\/li>\n<\/ul>\n<\/section>\n<p>One scenario catches people off guard: if you are on orders to Fort Cavazos but temporarily training at JBSA, your BAH stays at the Fort Cavazos rate. Temporary duty does not change your BAH duty station. Permanent change of station does.<\/p>\n<h2 id=\"where-does-bah-go-furthest-in-central-texas\">Where Does BAH Go Furthest in Central Texas?<\/h2>\n<p>Killeen and the communities surrounding Fort Cavazos deliver the highest BAH-to-housing-cost ratio in Central Texas. An E-5 with dependents at Fort Cavazos draws $1,377 \u2014 less than San Antonio&#8217;s rate, but median home prices of $238,000 and rents near $1,180 make that lower BAH stretch further per dollar.<\/p>\n<p>San Antonio ranks second. The city&#8217;s sheer size creates pricing diversity \u2014 you can find homes under $220,000 in the Southeast quadrant or spend $450,000 in Stone Oak, all within the same BAH rate. That flexibility makes San Antonio the best mix of affordability and quality of life for most Military buyers. Austin ranks last for BAH purchasing power despite having the highest nominal rates. The cost-of-living premium erases the BAH advantage entirely for most ranks below O-4.<\/p>\n<section class=\"bullet-section-green\">\n<ul>\n<li><strong>Best for E-4\/E-5 buyers:<\/strong> Killeen (Harker Heights, Copperas Cove) \u2014 homes in the $200,000\u2013$240,000 range keep payments well within BAH even at current rates.<\/li>\n<li><strong>Best for E-6\/E-7 buyers:<\/strong> San Antonio east side (Converse, Universal City, Schertz) \u2014 median prices align with $1,800\u2013$1,900 BAH at 6.0\u20136.5% rates.<\/li>\n<li><strong>Best for junior officers (O-1 to O-3):<\/strong> San Antonio northwest (Helotes, Alamo Ranch) or New Braunfels \u2014 $300,000\u2013$350,000 price range fits the $2,200+ BAH.<\/li>\n<li><strong>Best for senior officers (O-4+):<\/strong> San Antonio (Stone Oak, Boerne) or north Austin (Cedar Park, Leander) \u2014 BAH above $2,500 opens up these markets.<\/li>\n<\/ul>\n<\/section>\n<h2 id=\"what-should-military-buyers-watch-out-for-with-bah\">What Should Military Buyers Watch Out For With BAH?<\/h2>\n<p>The biggest mistake is budgeting your entire BAH toward a mortgage payment. BAH is designed to cover rent, utilities, and renter&#8217;s insurance \u2014 not just the mortgage principal and interest. When you buy, property taxes and homeowner&#8217;s insurance eat into that budget fast.<\/p>\n<p>Bexar County property taxes run 2.10\u20132.45% of assessed value. On a $280,000 home, that is $490\u2013$572 per month in taxes alone before you add insurance (~$130\/month for a standard policy). Many first-time Military buyers calculate their &#8220;afford&#8221; number using only principal and interest, then get blindsided by a $2,100 escrow payment on what they thought was a $1,500 mortgage.<\/p>\n<p>Other traps to watch:<\/p>\n<ul>\n<li><strong>HOA fees are not covered by BAH calculations.<\/strong> Master-planned communities like Alamo Ranch, Stillwater Ranch, and Wortham Oaks carry $40\u2013$75\/month in HOA dues. Factor that into your total housing cost.<\/li>\n<li><strong>BAH does not increase mid-year.<\/strong> If you close on a home in March and rates adjust downward in January, you benefit from rate protection. But if costs rise, you are locked at the January 1 rate until the next cycle.<\/li>\n<li><strong>PCS risk on home equity.<\/strong> San Antonio&#8217;s appreciation has averaged 3.8% annually over the past five years, but a 2\u20133 year PCS cycle may not build enough equity to cover selling costs (typically 6\u20138% of sale price). Run a break-even analysis before buying if you expect orders within 36 months.<\/li>\n<li><strong>VA Loan funding fee adds to your loan balance.<\/strong> First-time use with 0% down carries a 2.15% funding fee. On $280,000, that is $6,020 rolled into the loan \u2014 raising your payment by roughly $38\/month. Veterans with service-connected disability ratings of 10% or higher are exempt.<\/li>\n<\/ul>\n<h2 id=\"is-san-antonio-bah-enough-to-buy-a-home-in-2026\">Is San Antonio BAH Enough to Buy a Home in 2026?<\/h2>\n<p>For most ranks E-5 and above with dependents, yes \u2014 but you need to target the right price range and neighborhoods. At 6.5% interest, the sweet spot for staying within BAH is $220,000\u2013$250,000 for enlisted and $300,000\u2013$350,000 for O-3 and above.<\/p>\n<p>The math shifts meaningfully with interest rates. If 30-year VA Loan rates drop to 5.75% \u2014 plausible by late 2026 based on current Fed guidance \u2014 the purchase power at each BAH level increases by roughly $20,000\u2013$25,000. That is the difference between a 1,400-square-foot home in Converse and a 1,800-square-foot home in Schertz.<\/p>\n<p>San Antonio remains one of the strongest BAH markets in the country for Military homebuyers. The combination of no state income tax, a median home price nearly $100,000 below the national average, and three major installations feeding consistent demand makes it a reliable place to build equity during a PCS assignment. The key is running your own numbers at your actual rank, dependency status, and the current interest rate \u2014 not relying on general estimates.<\/p>\n<div class=\"rl-callout\">\n<p><strong>Quick BAH home-buying checklist for JBSA Service Members:<\/strong><\/p>\n<ul>\n<li>Look up your exact 2026 BAH rate at the DoD BAH calculator<\/li>\n<li>Subtract estimated property taxes ($450\u2013$575\/mo on a $250K\u2013$300K home in Bexar County)<\/li>\n<li>Subtract homeowner&#8217;s insurance ($110\u2013$150\/mo)<\/li>\n<li>Subtract HOA if applicable ($40\u2013$75\/mo)<\/li>\n<li>The remainder is your budget for principal and interest \u2014 work backward to find your max purchase price at the current VA Loan rate<\/li>\n<li>Get pre-approved before house hunting so you know the actual rate you qualify for, not the national average<\/li>\n<\/ul>\n<\/div>\n<\/article>\n<p><!-- FAQ --><\/p>\n<section aria-label=\"Frequently Asked Questions\" class=\"rl-faq\" id=\"bah-san-antonio-faqs\">\n<h2 id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n<details>\n<summary>What is the BAH rate for San Antonio in 2026?<\/summary>\n<div class=\"ans\">\n<p>The 2026 BAH rate for San Antonio (MHA TX318) ranges from $1,176 to $2,853 per month depending on rank and dependency status. An E-5 with dependents receives $1,734, while an O-3 with dependents gets $2,148. These rates increased roughly 4.4% over 2025. San Antonio BAH runs lower than Austin but higher than Killeen\/Fort Cavazos, which makes it one of the stronger purchasing-power markets in Central Texas for Military homebuyers.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>Is BAH enough to buy a house in San Antonio?<\/summary>\n<div class=\"ans\">\n<p>Yes \u2014 San Antonio BAH covers a mortgage payment on most median-priced homes in the area. The median home price sits near $285,000 in 2026, which puts a 30-year VA Loan payment around $1,750 including taxes and insurance. An E-6 with dependents receives $1,860 in BAH, leaving room in the budget. Neighborhoods like Converse, Live Oak, and far Northwest San Antonio near JBSA-Randolph offer strong inventory in that range.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>How does San Antonio BAH compare to Austin and Killeen?<\/summary>\n<div class=\"ans\">\n<p>San Antonio BAH falls between Austin and Killeen at every pay grade. For an E-5 with dependents, Austin pays $2,076, San Antonio pays $1,734, and Killeen\/Fort Cavazos pays $1,464. But San Antonio&#8217;s median home price is roughly $90,000 below Austin&#8217;s, so the actual buying power in San Antonio often matches or beats Austin despite the lower rate. Fort Cavazos-area buyers stretch their BAH furthest on paper but face a thinner resale market.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>What ZIP codes fall under San Antonio BAH?<\/summary>\n<div class=\"ans\">\n<p>San Antonio&#8217;s Military Housing Area (TX318) covers ZIP codes across Bexar County and parts of surrounding counties \u2014 78201 through 78266 plus Schertz (78154), Cibolo (78108), and New Braunfels (78130). Your duty station determines your rate, not your home address. Service members stationed at JBSA-Fort Sam Houston, JBSA-Lackland, or JBSA-Randolph all receive the San Antonio rate regardless of which Central Texas ZIP they choose to live in.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>When do BAH rates change for San Antonio?<\/summary>\n<div class=\"ans\">\n<p>BAH rates update every January 1. The DoD surveys local rental costs the prior spring and publishes new rates in December. If rates drop, current Service members keep their existing rate under rate protection \u2014 you only lose it after a PCS, promotion, or dependency status change. The 2026 San Antonio rates took effect January 1, 2026. Military families buying in San Antonio or Austin should plan purchases around the annual rate announcement for accurate affordability numbers.<\/p>\n<\/div>\n<\/details>\n<\/section>\n<p><!-- Resources --><\/p>\n<footer class=\"rl-resources\">\n<h2 id=\"resources-used\">Resources Used<\/h2>\n<div class=\"rl-callout rl-disclosure\">\n<ul>\n<li>Research data for &#8220;bah san antonio&#8221; \u2014 compiled from public sources<\/li>\n<\/ul>\n<\/div>\n<\/footer>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>San Antonio BAH rates for 2026 fall in the middle of Central Texas military housing areas \u2014 higher than Fort Cavazos but lower than Austin. An E-5 with dependents at JBSA receives $1,863 per month, enough to cover median rent in most San Antonio neighborhoods. Your rate depends on rank, dependency status, and which MHA [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2606,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[64,21],"tags":[],"class_list":["post-2604","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lrg-blog","category-va-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BAH Rates in San Antonio (2025) | LRG<\/title>\n<meta name=\"description\" content=\"San Antonio&#039;s BAH for 2025 is $1,800 for E-5 with dependents. 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