paybook
2026 · FL063 · Basic Allowance for Housing

Panama City, FL BAH, 2026

An E-5 stationed here gets $2,163 a month with dependents and $1,863 without. BAH is tax-free and paid on top of basic pay.

GradeWith dependentsWithoutvs 2025 (with)
E-1$2,058$1,713−$6
E-2$2,058$1,713−$6
E-3$2,058$1,713−$6
E-4$2,058$1,713−$6
E-5$2,163$1,863+$9
E-6$2,442$1,959+$12
E-7$2,538$2,058+$6
E-8$2,643$2,223+$6
E-9$2,766$2,298same
W-1$2,460$2,037+$12
W-2$2,580$2,220+$6
W-3$2,712$2,310+$6
W-4$2,787$2,460−$6
W-5$2,886$2,562−$9
O-1E$2,556$2,160+$12
O-2E$2,691$2,280+$3
O-3E$2,802$2,433−$3
O-1$2,202$1,953+$6
O-2$2,439$2,133+$12
O-3$2,709$2,337+$6
O-4$2,913$2,538−$15
O-5$3,060$2,595−$24
O-6$3,084$2,691−$27
O-7$3,105$2,736−$27
Monthly rates effective January 1, 2026. O-8 and above get the O-7 rate. Source: DTMO BAH rate files (FL063).

See full pay here with basic pay and BAS

01 · Total monthly pay here
RankYearsBasic payBAHBASTotal a month
E-1under 2$2,407.20$2,058$476.95$4,942.15
E-3over 2$3,015.00$2,058$476.95$5,549.95
E-4over 3$3,482.40$2,058$476.95$6,017.35
E-5over 6$4,110.00$2,163$476.95$6,749.95
E-6over 10$4,759.50$2,442$476.95$7,678.45
E-7over 14$5,835.00$2,538$476.95$8,849.95
E-8over 18$6,811.20$2,643$476.95$9,931.15
E-9over 22$8,423.10$2,766$476.95$11,666.05
W-2over 10$6,282.60$2,580$328.48$9,191.08
O-1under 2$4,150.20$2,202$328.48$6,680.68
O-2over 2$5,446.20$2,439$328.48$8,213.68
O-3over 6$7,737.00$2,709$328.48$10,774.48
O-4over 12$9,888.30$2,913$328.48$13,129.78
O-5over 18$11,713.80$3,060$328.48$15,102.28
O-6over 24$14,479.20$3,084$328.48$17,891.68
2026 rates, with dependents, at a typical point in a career. BAH and BAS are tax-free. Special pays (flight, sea, hazardous duty) aren't included. Change rank, years or dependents in the calculator.
02 · Where this rate applies

Counties

  • Bay County, FL

ZIP codes (19)

32401 32402 32403 32404 32405 32406 32407 32408 32409 32410 32411 32412 32413 32417 32438 32444 32456 32461 32466

BAH follows ZIP codes, so an area can cover part of a county. All housing areas