What is E-4 BAH at Pensacola in 2026?

$1,521 per month without dependents ($18,252 per year), effective 01 JAN 2026. with dependents it is $1,794 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

E-4 BAH at Pensacola 2026 — $1,521/mo without dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Pensacola, FL

E-4 · without dependents

$1,521/ month

$18,252 / year

At E-4, this is #169 of 338 stations loaded · high New York City $4,833 · low Fort Chaffee $879

MHA FL064 · ZIPs 32501 32502 32503 32504 32505 32506 +32 more

Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA

Untaxed — matching it with taxable pay takes$1,950 / mo gross

Other dependency status here$1,794 with dependents

In government quarters, no dependents$50.10 / mo partial

Pensacola — full sheetTap a row

Grade	With 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-4 without dependents, nearest stations0 – $4,833 / month

New York City$4,833

Detroit$1,527

Cincinnati$1,524

Houston$1,524

Mountain Home AFB$1,521

Pensacola$1,521

Charlotte$1,518

County Cost Group 810$1,518

Helena$1,515

Raleigh$1,515

Fort Chaffee$879

Pensacola is #169 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

Every pay grade at Pensacola0 – $2,259 / month

E-1$1,521

E-2$1,521

E-3$1,521

E-4$1,521

E-5$1,644

E-6$1,722

E-7$1,791

E-8$1,941

E-9$2,046

W-1$1,782

W-2$1,938

W-3$2,061

W-4$2,229

W-5$2,241

O-1E$1,860

O-2E$2,022

O-3E$2,226

O-1$1,719

O-2$1,842

O-3$2,097

O-4$2,232

O-5$2,244

O-6$2,247

O-7$2,259

Promoting to E-5 here adds $123 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Pensacola to New York City at E-4 is worth $3,312 a month — about 27 promotions worth of housing allowance, at $123 per grade here.

Dependency status is worth 18% 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.

None of it is taxed. $1,521 a month of BAH takes more than $1,521 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

E-4 without dependents at Pensacola draws $1,521 per month in 2026

What this rate means

Things the rate table doesn't tell you