O-7 with dependents, nearest stations0 – $8,208 / month
Westchester County$8,208
Dover AFB$3,123
Carlisle Barracks$3,114
Cincinnati$3,105
New Orleans$3,105
Panama City$3,105
Charleston$3,081
Eastern Panhandle$3,072
Fort Campbell$3,048
County Cost Group 800$3,039
Youngstown$1,845
Panama City is #167 of 338. The spread between
the dearest and cheapest station at this grade is $6,363 a month —
$76,356 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 13% 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. $3,105 a month of BAH takes more than $3,105 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.