Updated February 2026

BAH Rates Pensacola, FL 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Pensacola military housing area (MHA: FL064), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,863

$22,356/year

E-5 without Dependents

$1,644

$19,728/year

O-3 with Dependents

$2,271

$27,252/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,794	$21,528
E-2	$1,794	$21,528
E-3	$1,794	$21,528
E-4	$1,794	$21,528
E-5	$1,863	$22,356
E-6	$2,235	$26,820
E-7	$2,256	$27,072
E-8	$2,265	$27,180
E-9	$2,304	$27,648
Warrant Officer
W-1	$2,253	$27,036
W-2	$2,262	$27,144
W-3	$2,274	$27,288
W-4	$2,325	$27,900
W-5	$2,427	$29,124
Commissioned Officer (Prior Enlisted)
O-1E	$2,259	$27,108
O-2E	$2,268	$27,216
O-3E	$2,340	$28,080
Commissioned Officer
O-1	$1,914	$22,968
O-2	$2,232	$26,784
O-3	$2,271	$27,252
O-4	$2,457	$29,484
O-5	$2,610	$31,320
O-6	$2,631	$31,572
O-7	$2,646	$31,752

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,521	$18,252
E-2	$1,521	$18,252
E-3	$1,521	$18,252
E-4	$1,521	$18,252
E-5	$1,644	$19,728
E-6	$1,722	$20,664
E-7	$1,791	$21,492
E-8	$1,941	$23,292
E-9	$2,046	$24,552
Warrant Officer
W-1	$1,782	$21,384
W-2	$1,938	$23,256
W-3	$2,061	$24,732
W-4	$2,229	$26,748
W-5	$2,241	$26,892
Commissioned Officer (Prior Enlisted)
O-1E	$1,860	$22,320
O-2E	$2,022	$24,264
O-3E	$2,226	$26,712
Commissioned Officer
O-1	$1,719	$20,628
O-2	$1,842	$22,104
O-3	$2,097	$25,164
O-4	$2,232	$26,784
O-5	$2,244	$26,928
O-6	$2,247	$26,964
O-7	$2,259	$27,108

14 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Pensacola (FL064) Military Housing Area:

32501 32503 32504 32505 32506 32507 32508 32514 32526 32533 32534 32535 32568 32577

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Pensacola, FL is $1,863 per month ($22,356 per year). Without dependents, the rate is $1,644 per month.

How many ZIP codes are in the Pensacola MHA?

The Pensacola Military Housing Area (FL064) includes 14 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.