Updated February 2026

BAH Rates Panama City, FL 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Panama City military housing area (MHA: FL063), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,163

$25,956/year

E-5 without Dependents

$1,863

$22,356/year

O-3 with Dependents

$2,709

$32,508/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,058	$24,696
E-2	$2,058	$24,696
E-3	$2,058	$24,696
E-4	$2,058	$24,696
E-5	$2,163	$25,956
E-6	$2,442	$29,304
E-7	$2,538	$30,456
E-8	$2,643	$31,716
E-9	$2,766	$33,192
Warrant Officer
W-1	$2,460	$29,520
W-2	$2,580	$30,960
W-3	$2,712	$32,544
W-4	$2,787	$33,444
W-5	$2,886	$34,632
Commissioned Officer (Prior Enlisted)
O-1E	$2,556	$30,672
O-2E	$2,691	$32,292
O-3E	$2,802	$33,624
Commissioned Officer
O-1	$2,202	$26,424
O-2	$2,439	$29,268
O-3	$2,709	$32,508
O-4	$2,913	$34,956
O-5	$3,060	$36,720
O-6	$3,084	$37,008
O-7	$3,105	$37,260

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,713	$20,556
E-2	$1,713	$20,556
E-3	$1,713	$20,556
E-4	$1,713	$20,556
E-5	$1,863	$22,356
E-6	$1,959	$23,508
E-7	$2,058	$24,696
E-8	$2,223	$26,676
E-9	$2,298	$27,576
Warrant Officer
W-1	$2,037	$24,444
W-2	$2,220	$26,640
W-3	$2,310	$27,720
W-4	$2,460	$29,520
W-5	$2,562	$30,744
Commissioned Officer (Prior Enlisted)
O-1E	$2,160	$25,920
O-2E	$2,280	$27,360
O-3E	$2,433	$29,196
Commissioned Officer
O-1	$1,953	$23,436
O-2	$2,133	$25,596
O-3	$2,337	$28,044
O-4	$2,538	$30,456
O-5	$2,595	$31,140
O-6	$2,691	$32,292
O-7	$2,736	$32,832

12 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Panama City (FL063) Military Housing Area:

32401 32403 32404 32405 32407 32408 32409 32410 32413 32438 32444 32466

Frequently Asked Questions

What is the BAH rate for an E-5 in Panama City?

The 2026 BAH rate for an E-5 with dependents in Panama City, FL is $2,163 per month ($25,956 per year). Without dependents, the rate is $1,863 per month.

How many ZIP codes are in the Panama City MHA?

The Panama City Military Housing Area (FL063) includes 12 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.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all Florida BAH rates →

How Panama City, FL BAH compares nationally

BAH for Panama City, FL comes in below the national average — $2,163/mo for an E-5 with dependents, 5.5% under the $2,289 average across 299 MHAs (141st overall).

Statewide, this ranks 13th of 16 MHAs — between Florida Keys, FL ($3,969/mo, highest) and Tallahassee, FL ($1,824/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $392/mo (20.4%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.