O-2 BAH Rates in Pensacola, FL (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Pensacola, FL is $2,232 per month with dependents and $1,842 per month without dependents. This rate is $376 below the national average for O-2.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in Pensacola is approximately $9,044.98 with dependents or $8,654.98 without.

O-2 BAH: Pensacola vs National Average

	Pensacola	National Avg	Difference
With Dependents	$2,232	$2,608	−$376
Without Dependents	$1,842	$2,243	−$401

O-2 Total Monthly Compensation in Pensacola

Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Pensacola:

Component	With Dependents	Without Dependents
Base Pay	$6,484.5	$6,484.5
BAH	$2,232	$1,842
BAS	$328.48	$328.48
Total	$9,044.98	$8,654.98

Base pay shown for 4 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-1 — $1,914/mo
• O-3 — $2,271/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-2 in Pensacola?

The 2026 O-2 BAH rate in Pensacola is $2,232/mo with dependents and $1,842/mo without dependents.

What is the total monthly pay for O-2 in Pensacola?

An O-2 with 4 years of service in Pensacola earns approximately $9,044.98/mo total compensation with dependents (base pay $6,484.5 + BAH $2,232 + BAS $328.48). Without dependents: $8,654.98/mo.

Is Pensacola BAH above or below average?

O-2 BAH in Pensacola is $376 below the national average of $2,608/mo with dependents.

View all Florida BAH rates →