E-5 BAH Rates in Panama City, FL (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an E-5 (Sergeant (SGT)) stationed in Panama City, FL is $2,163 per month with dependents and $1,863 per month without dependents. This rate is $126 below the national average for E-5.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-5 base pay of $4,110/mo (at 6 years of service) and BAS of $476.95/mo, total monthly compensation in Panama City is approximately $6,749.95 with dependents or $6,449.95 without.

E-5 BAH: Panama City vs National Average

	Panama City	National Avg	Difference
With Dependents	$2,163	$2,289	−$126
Without Dependents	$1,863	$1,871	−$8

E-5 Total Monthly Compensation in Panama City

Here is how E-5 pay breaks down for a service member with 6 years of service stationed in Panama City:

Component	With Dependents	Without Dependents
Base Pay	$4,110	$4,110
BAH	$2,163	$1,863
BAS	$476.95	$476.95
Total	$6,749.95	$6,449.95

Base pay shown for 6 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.

Other Ranks in Panama City

• E-3 — $2,058/mo
• E-4 — $2,058/mo
• E-6 — $2,442/mo
• E-7 — $2,538/mo
• O-1 — $2,202/mo
• O-2 — $2,439/mo
• O-3 — $2,709/mo

Frequently Asked Questions

What is the 2026 BAH rate for E-5 in Panama City?

The 2026 E-5 BAH rate in Panama City is $2,163/mo with dependents and $1,863/mo without dependents.

What is the total monthly pay for E-5 in Panama City?

An E-5 with 6 years of service in Panama City earns approximately $6,749.95/mo total compensation with dependents (base pay $4,110 + BAH $2,163 + BAS $476.95). Without dependents: $6,449.95/mo.

Is Panama City BAH above or below average?

E-5 BAH in Panama City is $126 below the national average of $2,289/mo with dependents.

View all Florida BAH rates →