O-1 BAH Rates in Pensacola, FL (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in Pensacola, FL is $1,914 per month with dependents and $1,719 per month without dependents. This rate is $421 below the national average for O-1.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-1 base pay of $4,320/mo (at 2 years of service) and BAS of $328.48/mo, total monthly compensation in Pensacola is approximately $6,562.48 with dependents or $6,367.48 without.

O-1 BAH: Pensacola vs National Average

	Pensacola	National Avg	Difference
With Dependents	$1,914	$2,335	−$421
Without Dependents	$1,719	$1,975	−$256

O-1 Total Monthly Compensation in Pensacola

Here is how O-1 pay breaks down for a service member with 2 years of service stationed in Pensacola:

Component	With Dependents	Without Dependents
Base Pay	$4,320	$4,320
BAH	$1,914	$1,719
BAS	$328.48	$328.48
Total	$6,562.48	$6,367.48

Base pay shown for 2 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 Pensacola

• E-3 — $1,794/mo
• E-4 — $1,794/mo
• E-5 — $1,863/mo
• E-6 — $2,235/mo
• E-7 — $2,256/mo
• O-2 — $2,232/mo
• O-3 — $2,271/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-1 in Pensacola?

The 2026 O-1 BAH rate in Pensacola is $1,914/mo with dependents and $1,719/mo without dependents.

What is the total monthly pay for O-1 in Pensacola?

An O-1 with 2 years of service in Pensacola earns approximately $6,562.48/mo total compensation with dependents (base pay $4,320 + BAH $1,914 + BAS $328.48). Without dependents: $6,367.48/mo.

Is Pensacola BAH above or below average?

O-1 BAH in Pensacola is $421 below the national average of $2,335/mo with dependents.

View all Florida BAH rates →