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

Press Enter to look it up.

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
With $1,863 Without $1,644

E-5 at Pensacola draws $1,863 per month with dependents in 2026, $1,644 without

Permalink bahratedesk.com/pensacola-fl/ Excel CSV
Pensacola, FL
E-5 · with dependents
$1,863/ month
$22,356 / year
At E-5, this is #210 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA FL064 · ZIPs 32501 32502 32503 32504 32505 32506 +32 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,388 / mo gross
Without dependents here $1,644 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Pensacola · E-5 · $1,863/mo
Pensacola $1,863/mo · $22,356/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.

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

Pensacola — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,794 $1,521
E-2 $1,794 $1,521
E-3 $1,794 $1,521
E-4 $1,794 $1,521
E-5 $1,863 $1,644
E-6 $2,235 $1,722
E-7 $2,256 $1,791
E-8 $2,265 $1,941
E-9 $2,304 $2,046
Warrant officer
W-1 $2,253 $1,782
W-2 $2,262 $1,938
W-3 $2,274 $2,061
W-4 $2,325 $2,229
W-5 $2,427 $2,241
Officer — prior enlisted
O-1E $2,259 $1,860
O-2E $2,268 $2,022
O-3E $2,340 $2,226
Officer
O-1 $1,914 $1,719
O-2 $2,232 $1,842
O-3 $2,271 $2,097
O-4 $2,457 $2,232
O-5 $2,610 $2,244
O-6 $2,631 $2,247
O-7 $2,646 $2,259

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Fort Gordon $1,890
Helena $1,887
Mobile $1,887
Columbia $1,878
Baton Rouge $1,875
Columbus $1,875
Indianapolis $1,875
Lexington $1,875
Abilene $1,872
San Antonio (JBSA) $1,869
Pensacola $1,863
Morehead $1,851
Little Rock $1,848
Shreveport $1,845
Humboldt County $1,827
Tallahassee $1,824
Marquette $1,821
County Cost Group 780 $1,815
Fort Campbell $1,815
Fort Leavenworth $1,815
Fort Bliss $1,809
Anniston $1,185

Pensacola is #210 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Pensacola0 – $2,646 / month
E-1 $1,794
E-2 $1,794
E-3 $1,794
E-4 $1,794
E-5 $1,863
E-6 $2,235
E-7 $2,256
E-8 $2,265
E-9 $2,304
W-1 $2,253
W-2 $2,262
W-3 $2,274
W-4 $2,325
W-5 $2,427
O-1E $2,259
O-2E $2,268
O-3E $2,340
O-1 $1,914
O-2 $2,232
O-3 $2,271
O-4 $2,457
O-5 $2,610
O-6 $2,631
O-7 $2,646

The pay chart moves this allowance far less than the map does.

Moving from Pensacola to San Francisco at E-5 is worth $3,264 a month — about 9 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.