BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA

Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.

Or type your rank

Press Enter to look it up.

Enlisted
E-1E-2E-3E-4E-5E-6E-7E-8E-9
Warrant
W-1W-2W-3W-4W-5
Prior enl.
O-1EO-2EO-3E
Officer
O-1O-2O-3O-4O-5O-6O-7
Dependents
With $2,163 Without $1,863

E-5 at Panama City draws $2,163 per month with dependents in 2026, $1,863 without

Permalink bahratedesk.com/panama-city-fl/ Excel CSV
Panama City, FL
E-5 · with dependents
$2,163/ month
$25,956 / year
At E-5, this is #148 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA FL063 · ZIPs 32401 32402 32403 32404 32405 32406 +13 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,773 / mo gross
Without dependents here $1,863 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Panama City · E-5 · $2,163/mo
Panama City $2,163/mo · $25,956/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Panama City — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,058 $1,713
E-2 $2,058 $1,713
E-3 $2,058 $1,713
E-4 $2,058 $1,713
E-5 $2,163 $1,863
E-6 $2,442 $1,959
E-7 $2,538 $2,058
E-8 $2,643 $2,223
E-9 $2,766 $2,298
Warrant officer
W-1 $2,460 $2,037
W-2 $2,580 $2,220
W-3 $2,712 $2,310
W-4 $2,787 $2,460
W-5 $2,886 $2,562
Officer — prior enlisted
O-1E $2,556 $2,160
O-2E $2,691 $2,280
O-3E $2,802 $2,433
Officer
O-1 $2,202 $1,953
O-2 $2,439 $2,133
O-3 $2,709 $2,337
O-4 $2,913 $2,538
O-5 $3,060 $2,595
O-6 $3,084 $2,691
O-7 $3,105 $2,736

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Dahlonega $2,208
Brunswick $2,205
Coastal Maine $2,193
Houston $2,193
Eugene $2,187
Knoxville $2,184
Spokane $2,184
Grand Haven $2,181
Jacksonville $2,181
Charlotte $2,169
Panama City $2,163
County Cost Group 820 $2,160
Memphis $2,154
Grand Rapids $2,148
Lemoore NAS $2,139
Kings Bay $2,133
Salt Lake City $2,130
Eastern Shore $2,121
Durham $2,118
Fort Worth $2,118
Ogden $2,118
Anniston $1,185

Panama City is #148 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Panama City0 – $3,105 / month
E-1 $2,058
E-2 $2,058
E-3 $2,058
E-4 $2,058
E-5 $2,163
E-6 $2,442
E-7 $2,538
E-8 $2,643
E-9 $2,766
W-1 $2,460
W-2 $2,580
W-3 $2,712
W-4 $2,787
W-5 $2,886
O-1E $2,556
O-2E $2,691
O-3E $2,802
O-1 $2,202
O-2 $2,439
O-3 $2,709
O-4 $2,913
O-5 $3,060
O-6 $3,084
O-7 $3,105

The pay chart moves this allowance far less than the map does.

Moving from Panama City to San Francisco at E-5 is worth $2,964 a month — about 11 promotions at this grade. Where you are stationed outweighs rank, by a lot.

Things the rate table doesn't tell you

01

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

02

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

03

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.