Updated February 2026

BAH Rates Florida Keys, FL 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Florida Keys military housing area (MHA: FL069), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$3,969

$47,628/year

E-5 without Dependents

$3,459

$41,508/year

O-3 with Dependents

$4,872

$58,464/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,813	$45,756
E-2	$3,813	$45,756
E-3	$3,813	$45,756
E-4	$3,813	$45,756
E-5	$3,969	$47,628
E-6	$4,056	$48,672
E-7	$4,350	$52,200
E-8	$4,677	$56,124
E-9	$5,097	$61,164
Warrant Officer
W-1	$4,074	$48,888
W-2	$4,485	$53,820
W-3	$4,884	$58,608
W-4	$5,178	$62,136
W-5	$5,529	$66,348
Commissioned Officer (Prior Enlisted)
O-1E	$4,413	$52,956
O-2E	$4,827	$57,924
O-3E	$5,232	$62,784
Commissioned Officer
O-1	$3,987	$47,844
O-2	$4,053	$48,636
O-3	$4,872	$58,464
O-4	$5,655	$67,860
O-5	$6,213	$74,556
O-6	$6,267	$75,204
O-7	$6,321	$75,852

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,084	$37,008
E-2	$3,084	$37,008
E-3	$3,084	$37,008
E-4	$3,084	$37,008
E-5	$3,459	$41,508
E-6	$3,672	$44,064
E-7	$3,819	$45,828
E-8	$3,993	$47,916
E-9	$4,005	$48,060
Warrant Officer
W-1	$3,771	$45,252
W-2	$3,990	$47,880
W-3	$4,011	$48,132
W-4	$4,119	$49,428
W-5	$4,425	$53,100
Commissioned Officer (Prior Enlisted)
O-1E	$3,966	$47,592
O-2E	$4,002	$48,024
O-3E	$4,044	$48,528
Commissioned Officer
O-1	$3,657	$43,884
O-2	$3,921	$47,052
O-3	$4,017	$48,204
O-4	$4,374	$52,488
O-5	$4,659	$55,908
O-6	$4,863	$58,356
O-7	$4,953	$59,436

1 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Florida Keys (FL069) Military Housing Area:

33857

Frequently Asked Questions

What is the BAH rate for an E-5 in Florida Keys?

The 2026 BAH rate for an E-5 with dependents in Florida Keys, FL is $3,969 per month ($47,628 per year). Without dependents, the rate is $3,459 per month.

How many ZIP codes are in the Florida Keys MHA?

The Florida Keys Military Housing Area (FL069) includes 1 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.