BAH Rates for Pensacola, Fl (2026)
Official 2026 Basic Allowance for Housing for the Pensacola, Fl military housing area (FL064), for every pay grade with and without dependents.
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About the BAH Rates for Pensacola, Fl (2026)
This page lists the official 2026 BAH rates for Pensacola, Fl (military housing area FL064). BAH is paid to service members who are not in government housing and is based on duty station, pay grade and dependent status. It is tax-free. In 2026 an E-5 with dependents receives $1,863 a month here, $1,644 without dependents, which ranks number 210 of 338 military housing areas for E-5 with dependents (the national average is about $2,225). An O-3 with dependents receives $2,271 and an O-4 with dependents $2,457.
How to use it
- Choose your pay grade and whether you have dependents.
- Press Show my BAH to see your monthly and yearly allowance for this area.
- Use the table below to compare every grade, or the BAH calculator for another ZIP code.
2026 BAH rates for Pensacola, Fl by pay grade
| Pay grade | With dependents | Without dependents |
|---|---|---|
| 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 |
| 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 |
| O-1E | $2,259 | $1,860 |
| O-2E | $2,268 | $2,022 |
| O-3E | $2,340 | $2,226 |
| 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 |
Quick comparison
| Pay grade | With dependents | Without |
|---|---|---|
| E-4 | $1,794 | $1,521 |
| E-6 | $2,235 | $1,722 |
| E-7 | $2,256 | $1,791 |
| O-1 | $1,914 | $1,719 |
| O-3 | $2,271 | $2,097 |
Things to know
- BAH is set by the duty station ZIP code, so it applies to every ZIP code mapped to FL064.
- Rates are tax-free and meant to cover rent and utilities.
- O-7 and above share one rate.
- Your own rate is protected if the area rate drops while you stay in the same grade and location.
- Use the military pay calculator to add BAH to your basic pay and BAS.
Frequently asked questions
What is the BAH for an E-5 in Pensacola, Fl?
In 2026 an E-5 receives $1,863 a month with dependents and $1,644 without dependents in the Pensacola, Fl area.
What is the BAH for an O-3 in Pensacola, Fl?
An O-3 receives $2,271 with dependents and $2,097 without dependents in 2026.
How much BAH does an E-6 get in Pensacola, Fl?
An E-6 with dependents receives $2,235 a month in 2026.
Is BAH taxable?
No. BAH is not subject to federal income tax.
Which ZIP codes use the FL064 rate?
All ZIP codes assigned to the Pensacola, Fl military housing area. Enter your ZIP code in the BAH calculator to confirm.
Last reviewed: November 2026. Official 2026 DoD BAH rates. Your finance office determines your actual entitlement.