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2013 BAH rates are tied to the state of the local rental market in the applicable zip code. If the local housing market is expensive, Basic Allowance for Housing tends to run higher than in areas where rents are lower.
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2013 california BAH Rates

Locality-based Basic Allowance for Housing

Remember, BAH is calculated on local rents. Mortgage amounts are not used to compute Basic Allowance for Housing. You may be able to offset some or all of your monthly mortgage payments using BAH, but it’s not designed to do so. Make your financial plans carefully when factoring in BAH as a contributing source of income for your house payment.

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VA LOAN RATES
New Home Loan
National Averages
for 5/25/2013

30 Year Fixed
0.000 points
3.750%
3.830% APR

15 Year Fixed
0.000 points
3.250%
3.400% APR

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