Official data current

Panama City BAH rates

Verified · Effective 2026-01-01 · MHA FL063

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O-2E · With dependents
$2,691per month

$32,292 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #144 of 338O-2E · with dependents reference
Taxable-pay equivalent$3,450/mo Using the stated 22% comparison rate
Year-over-year change+$3/mo · +0.1%2025 $2,688 → 2026 $2,691
O-2E rate selectedMHA FL063 ZIPs 32401 32402 32403 32404 32405 32406 +13
PCS compare Panama City · O-2E · with dep. · $2,691/mo
Panama City $2,691/mo · $32,292/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.

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

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Rate history

How updates work
2025$2,688
2026$2,691

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Panama City — full sheet Tap a row

What this rate means

O-2E with dependents, nearest stations0 – $6,564 / month
Westchester County $6,564
Richmond $2,751
St. Louis $2,751
Eugene $2,748
Atlanta $2,742
Rochester $2,739
Savannah $2,736
Barstow $2,730
Salt Lake City $2,718
County Cost Group 820 $2,715
Charleston $2,712
Panama City $2,691
Houston $2,688
Salem $2,688
Norfolk $2,685
Yakima $2,682
Gainesville $2,676
Coos Bay $2,670
College Station $2,667
Elizabeth City $2,655
Pittsburgh $2,640
El Centro $2,634
Anniston $1,671

Panama City is #144 of 338. The spread between the dearest and cheapest station at this grade is $4,893 a month — $58,716 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 Westchester County at O-2E is worth $3,873 a month — about 35 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…