With a VA loan — no down payment, no PMI — your monthly BAH can go toward a mortgage instead of a landlord's pocket. The median home near NB Point Loma runs about $825,093.

Run the rent-vs-buy numbers for NB Point Loma →

All NB Point Loma BAH Rates by Pay Grade

Pay Grade	With Dependents	Without Dependents
Enlisted
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
Warrant Officer
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
Officer (Prior Enlisted)
O-1E (Prior Enlisted)	$4,449	$3,972
O-2E (Prior Enlisted)	$4,506	$4,161
O-3E (Prior Enlisted)	$4,770	$4,398
Officer
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	$5,586	$4,575

Official 2026 BAH rates for the SAN DIEGO, CA Military Housing Area, effective January 1, 2026.

About NB Point Loma

Welcome to Naval Base Point Loma! The peninsula that is home to Naval Base Point Loma has been inhabited for thousands of years, first by Native Americans, then by Spanish explorers and soldiers, and finally by members of the U.S. military after the Army acquired the land in 1852. It remained an active Army coast artillery installation called Fort Rosecrans until 1945. In 1959, Fort Rosecrans was turned over to the Navy, and by 1981 it was officially designated a Naval Submarine Base, supporting several assigned submarines.

In 1998, the six separate installations that operated on Point Loma (the Naval Submarine Base, Naval Mine and Anti-Submarine Warfare Command, Commander Third Fleet Headquarters complex, Space and Naval Warfare Systems Command Headquarters, SPAWAR Systems Center, and Fl...

Read the full NB Point Loma guide →