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Rudy Flores · (619) 392-6714 · Real Estate Strategist, Realtor® · CalDRE #02257808 · Responsible Broker CalDRE #01481919
See the home price a payment near your BAH could carry, using the 2026 San Diego housing allowance for your pay grade.
Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Point Mortgage Corporation (NMLS #231073), at (619) 475-4095. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.
Point Mortgage is a San Diego–based lender offering Conventional, FHA, VA and Jumbo loan programs, with local loan officers who coordinate directly with Coldwell Banker West and escrow to keep your financing on track from pre-approval through closing. Learn more or start an application at pointmtg.com.
Pick your pay grade and see roughly what home price a monthly payment near your BAH could carry in San Diego. Change anything: the rate, the down payment, even how much of your BAH you want to spend.
BAH for San Diego (MHA CA038) is set by the Department of Defense and was last updated on January 1, 2026. It is the same for Naval Base San Diego, Naval Base Coronado and MCAS Miramar, and it changes with pay grade and dependent status.
Send this estimate to Rudy and he will follow up with a personalized version, no pressure.
Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Point Mortgage Corporation (NMLS #231073), at (619) 475-4095. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.
This is an estimate for planning. It is not a loan offer, a pre-approval or a rate quote, and it does not decide whether a lender will approve you. Lenders look at income, credit, assets and the loan program, and they decide how to treat BAH. VA funding fees, loan limits and rates change; confirm with your lender.
The 2026 rates for San Diego, CA (MHA CA038) are published by the Defense Travel Management Office. Look up your own rate, or check a different duty station, with the official BAH rate lookup. New rates take effect every January 1.