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

    O-3E with dependents at Panama City draws $2,802 per month in 2026

    Permalinkbahratedesk.com/panama-city-fl/o-3e/with/ExcelCSVDownloads cover this station.
    Panama City, FL
    O-3E · with dependents
    $2,802/ month
    $33,624 / year
    At O-3E, this is #153 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA FL063 · ZIPs 32401 32402 32403 32404 32405 32406 +13 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,592 / mo gross
    Other dependency status here$2,433 without 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 · O-3E · $2,802/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$420+$5,040/yr · like +$6,462 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    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
    Youngstown$1,788

    Panama City is #153 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

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 15% 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. $2,802 a month of BAH takes more than $2,802 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.