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 $2,442Without $1,959

    E-6 at Panama City draws $2,442 per month with dependents in 2026, $1,959 without

    Permalinkbahratedesk.com/panama-city-fl/e-6/ExcelCSVDownloads cover this station.
    Panama City, FL
    E-6 · with dependents
    $2,442/ month
    $29,304 / year
    At E-6, this is #151 of 338 stations loaded · high San Francisco $5,454 · low Youngstown $1,335
    MHA FL063 · ZIPs 32401 32402 32403 32404 32405 32406 +13 more
    Your grade is calledARMYSSGUSMCSSgtNAVYPO1USAFTSgt
    Untaxed — matching it with taxable pay takes$3,131 / mo gross
    Without dependents here$1,959 / 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-6 · $2,442/mo
    Aberdeen Proving Grounds$2,742/mo · $32,904/yr
    ▲ RAISE+$300+$3,600/yr · like +$4,615 of salary

    What this rate means

    E-6 with dependents, nearest stations0 – $5,454 / month
    San Francisco$5,454
    Eugene$2,481
    Grand Haven$2,481
    Phoenix$2,457
    Fairbanks$2,454
    Panama City$2,442
    Fort Stewart$2,439
    Charlotte$2,436
    Fort Carson$2,433
    Barstow$2,430
    Youngstown$1,335

    Panama City is #151 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 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-7 here adds $96 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 San Francisco at E-6 is worth $3,012 a month — about 31 promotions worth of housing allowance, at $96 per grade here.

    02

    Dependency status is worth 25% 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. $2,442 a month of BAH takes more than $2,442 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.