Official data current

Panama City BAH rates

Verified · Effective 2026-01-01 · MHA FL063

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O-3E · With dependents
$2,802per month

$33,624 per year · federal tax-free allowance

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

National position #152 of 338O-3E · with dependents reference
Taxable-pay equivalent$3,592/mo Using the stated 22% comparison rate
Year-over-year change−$3/mo · −0.1%2025 $2,805 → 2026 $2,802
O-3E rate selectedMHA FL063 ZIPs 32401 32402 32403 32404 32405 32406 +13
PCS compare Panama City · O-3E · with dep. · $2,802/mo
Panama City $2,802/mo · $33,624/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$2,805
2026$2,802

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-3E with dependents, nearest stations0 – $7,023 / month
Westchester County $7,023
Houston $2,856
Gainesville $2,850
Salem $2,847
Yakima $2,847
Salt Lake City $2,838
Elizabeth City $2,823
Pittsburgh $2,823
Coos Bay $2,814
Wilmington $2,805
Charleston $2,802
Panama City $2,802
Atlanta $2,784
Omaha $2,769
County Cost Group 810 $2,757
El Centro $2,751
State College $2,739
Fort Stewart $2,736
Cincinnati $2,724
Tallahassee $2,721
Volusia County $2,721
Durham $2,703
Youngstown $1,788

Panama City is #152 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 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.

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…