O-3 BAH Rates in Pensacola, FL (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Pensacola, FL is $2,271 per month with dependents and $2,097 per month without dependents. This rate is $588 below the national average for O-3.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in Pensacola is approximately $10,336.48 with dependents or $10,162.48 without.

O-3 BAH: Pensacola vs National Average

	Pensacola	National Avg	Difference
With Dependents	$2,271	$2,859	−$588
Without Dependents	$2,097	$2,493	−$396

O-3 Total Monthly Compensation in Pensacola

Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Pensacola:

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$2,271	$2,097
BAS	$328.48	$328.48
Total	$10,336.48	$10,162.48

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 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-2 — $2,232/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-3 in Pensacola?

The 2026 O-3 BAH rate in Pensacola is $2,271/mo with dependents and $2,097/mo without dependents.

What is the total monthly pay for O-3 in Pensacola?

An O-3 with 6 years of service in Pensacola earns approximately $10,336.48/mo total compensation with dependents (base pay $7,737 + BAH $2,271 + BAS $328.48). Without dependents: $10,162.48/mo.

Is Pensacola BAH above or below average?

O-3 BAH in Pensacola is $588 below the national average of $2,859/mo with dependents.

View all Florida BAH rates →