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
    WithWithout

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

    Permalinkbahratedesk.com/panama-city-fl/e-6/without/ExcelCSVDownloads cover this station.
    Panama City, FL
    E-6 · without dependents
    $1,959/ month
    $23,508 / year
    At E-6, this is #136 of 338 stations loaded · high New York City $5,070 · low Youngstown $1,077
    MHA FL063 · ZIPs 32401 32402 32403 32404 32405 32406 +13 more
    Your grade is calledARMYSSGUSMCSSgtNAVYPO1USAFTSgt
    Untaxed — matching it with taxable pay takes$2,512 / mo gross
    Other dependency status here$2,442 with dependents
    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 · $1,959/mo
    Aberdeen Proving Grounds$2,076/mo · $24,912/yr
    ▲ RAISE+$117+$1,404/yr · like +$1,800 of salary

    What this rate means

    E-6 without dependents, nearest stations0 – $5,070 / month
    New York City$5,070
    Knoxville$1,986
    Fort Carson$1,980
    Richmond$1,971
    County Cost Group 830$1,959
    Panama City$1,959
    Volusia County$1,956
    Pittsburgh$1,953
    Detroit$1,935
    Gainesville$1,932
    Youngstown$1,077

    Panama City is #136 of 338. The spread between the dearest and cheapest station at this grade is $3,993 a month — $47,916 a year, untaxed.

    Every pay grade at Panama City0 – $2,736 / month
    E-1$1,713
    E-2$1,713
    E-3$1,713
    E-4$1,713
    E-5$1,863
    E-6$1,959
    E-7$2,058
    E-8$2,223
    E-9$2,298
    W-1$2,037
    W-2$2,220
    W-3$2,310
    W-4$2,460
    W-5$2,562
    O-1E$2,160
    O-2E$2,280
    O-3E$2,433
    O-1$1,953
    O-2$2,133
    O-3$2,337
    O-4$2,538
    O-5$2,595
    O-6$2,691
    O-7$2,736

    Promoting to E-7 here adds $99 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-6 is worth $3,111 a month — about 31 promotions worth of housing allowance, at $99 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. $1,959 a month of BAH takes more than $1,959 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.