2026 BAH Rates — Panama City, FL
2026 Basic Allowance for Housing (BAH) for Panama City, FL (Military Housing Area FL063), effective January 1, 2026. BAH is a tax-free monthly allowance set by your duty-station ZIP code, pay grade, and whether you have dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,058 | $1,713 |
| E-2 | $2,058 | $1,713 |
| E-3 | $2,058 | $1,713 |
| E-4 | $2,058 | $1,713 |
| E-5 | $2,163 | $1,863 |
| E-6 | $2,442 | $1,959 |
| E-7 | $2,538 | $2,058 |
| E-8 | $2,643 | $2,223 |
| E-9 | $2,766 | $2,298 |
| W-1 | $2,460 | $2,037 |
| W-2 | $2,580 | $2,220 |
| W-3 | $2,712 | $2,310 |
| W-4 | $2,787 | $2,460 |
| W-5 | $2,886 | $2,562 |
| O-1E | $2,556 | $2,160 |
| O-2E | $2,691 | $2,280 |
| O-3E | $2,802 | $2,433 |
| O-1 | $2,202 | $1,953 |
| O-2 | $2,439 | $2,133 |
| O-3 | $2,709 | $2,337 |
| O-4 | $2,913 | $2,538 |
| O-5 | $3,060 | $2,595 |
| O-6 | $3,084 | $2,691 |
| O-7 | $3,105 | $2,736 |
Estimate your own pay with the BAH calculator and the full military pay calculator. See all BAH locations or the by-state overview.
Frequently asked questions
How much is BAH in Panama City, FL?
In 2026, an E-5 with dependents stationed in Panama City, FL receives $2,163 per month in tax-free BAH, or $1,863 without dependents. Rates vary by pay grade — see the full table above.
Is BAH taxable?
No. BAH is a tax-free housing allowance, which makes it worth more than the same amount of taxable base pay.