Official data current

Pensacola BAH rates

Verified · Effective 2026-01-01 · MHA FL064

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W-4 · With dependents
$2,325per month

$27,900 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #236 of 338W-4 · with dependents reference
Taxable-pay equivalent$2,981/mo Using the stated 22% comparison rate
Year-over-year change+$12/mo · +0.5%2025 $2,313 → 2026 $2,325
W-4 rate selectedMHA FL064 ZIPs 32501 32502 32503 32504 32505 32506 +32
PCS compare Pensacola · W-4 · with dep. · $2,325/mo
Pensacola $2,325/mo · $27,900/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.

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

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Rate history

How updates work
2025$2,313
2026$2,325

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Pensacola — full sheet Tap a row

What this rate means

W-4 with dependents, nearest stations0 – $6,963 / month
Westchester County $6,963
Fort Rucker $2,373
Malmstrom SFB $2,373
Fort Gordon $2,367
Scott AFB $2,367
Lincoln $2,364
Indianapolis $2,361
Whiteman AFB $2,349
Lexington $2,343
Columbia $2,340
Greensboro $2,340
Pensacola $2,325
Baton Rouge $2,322
Seymour Johnson AFB $2,322
Fort Wayne $2,319
Mobile $2,319
Toledo $2,319
Robins AFB $2,313
Grand Forks $2,307
Huntsville $2,307
County Cost Group 760 $2,301
Greenville $2,301
Stevens Point $1,779

Pensacola is #236 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 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 Westchester County at W-4 is worth $4,638 a month — about 45 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…