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
    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 $2,058Without $1,713

    E-4 at Panama City draws $2,058 per month with dependents in 2026, $1,713 without

    Permalinkbahratedesk.com/panama-city-fl/e-4/ExcelCSVDownloads cover this station.
    Panama City, FL
    E-4 · with dependents
    $2,058/ month
    $24,696 / year
    At E-4, this is #135 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134
    MHA FL063 · ZIPs 32401 32402 32403 32404 32405 32406 +13 more
    Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA
    Untaxed — matching it with taxable pay takes$2,638 / mo gross
    Without dependents here$1,713 / mo
    In government quarters, no dependents$50.10 / mo partial
    Panama City — full sheetTap 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
    PCS comparePanama City · E-4 · $2,058/mo
    Aberdeen Proving Grounds$2,268/mo · $27,216/yr
    ▲ RAISE+$210+$2,520/yr · like +$3,231 of salary

    What this rate means

    E-4 with dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    Pittsburgh$2,067
    Fort Collins$2,061
    Phoenix$2,061
    Knoxville$2,058
    Panama City$2,058
    Buffalo$2,055
    Asheville$2,052
    Coastal Maine$2,052
    Austin$2,046
    Youngstown$1,134

    Panama City is #135 of 338. The spread between the dearest and cheapest station at this grade is $3,933 a month — $47,196 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

    Promoting to E-5 here adds $105 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Panama City to New York City at E-4 is worth $3,009 a month — about 29 promotions worth of housing allowance, at $105 per grade here.

    02

    Dependency status is worth 20% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $2,058 a month of BAH takes more than $2,058 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    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.