2026 BAH Rates — Pensacola, FL
2026 Basic Allowance for Housing (BAH) for Pensacola, FL (Military Housing Area FL064), 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 | $1,794 | $1,521 |
| E-2 | $1,794 | $1,521 |
| E-3 | $1,794 | $1,521 |
| E-4 | $1,794 | $1,521 |
| E-5 | $1,863 | $1,644 |
| E-6 | $2,235 | $1,722 |
| E-7 | $2,256 | $1,791 |
| E-8 | $2,265 | $1,941 |
| E-9 | $2,304 | $2,046 |
| W-1 | $2,253 | $1,782 |
| W-2 | $2,262 | $1,938 |
| W-3 | $2,274 | $2,061 |
| W-4 | $2,325 | $2,229 |
| W-5 | $2,427 | $2,241 |
| O-1E | $2,259 | $1,860 |
| O-2E | $2,268 | $2,022 |
| O-3E | $2,340 | $2,226 |
| O-1 | $1,914 | $1,719 |
| O-2 | $2,232 | $1,842 |
| O-3 | $2,271 | $2,097 |
| O-4 | $2,457 | $2,232 |
| O-5 | $2,610 | $2,244 |
| O-6 | $2,631 | $2,247 |
| O-7 | $2,646 | $2,259 |
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 Pensacola, FL?
In 2026, an E-5 with dependents stationed in Pensacola, FL receives $1,863 per month in tax-free BAH, or $1,644 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.