What is O-5 BAH at Pensacola in 2026?

$2,610 per month with dependents ($31,320 per year), effective 01 JAN 2026. Without dependents it is $2,244 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.

O-5 BAH at Pensacola 2026 — $2,610 with dependents, $2,244 without

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

Pensacola, FL

O-5 · with dependents

$2,610/ month

$31,320 / year

At O-5, this is #258 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

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

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Untaxed — matching it with taxable pay takes$3,346 / mo gross

Without dependents here$2,244 / mo

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

O-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Gulfport$2,625

Topeka$2,619

Morgantown$2,613

Fort Bragg$2,610

Pensacola$2,610

Huntsville$2,607

Lubbock$2,604

Little Rock$2,598

Sault Ste Marie$2,595

Youngstown$1,827

Pensacola is #258 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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

Promoting to O-6 here adds $21 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 Westchester County at O-5 is worth $5,454 a month — about 260 promotions worth of housing allowance, at $21 per grade here.

Dependency status is worth 16% 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. $2,610 a month of BAH takes more than $2,610 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.

O-5 at Pensacola draws $2,610 per month with dependents in 2026, $2,244 without

What this rate means

Things the rate table doesn't tell you