Panama City, FL BAH Rates
2026 Basic Allowance for Housing rates for Panama City, Florida (MHA: FL063).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $2,058 | $1,713 |
| E-2 (Private/Seaman Apprentice) | $2,058 | $1,713 |
| E-3 (PFC/Seaman) | $2,058 | $1,713 |
| E-4 (Specialist/Corporal) | $2,058 | $1,713 |
| E-5 (Sergeant) | $2,163 | $1,863 |
| E-6 (Staff Sergeant) | $2,442 | $1,959 |
| E-7 (Sergeant First Class) | $2,538 | $2,058 |
| E-8 (Master Sergeant) | $2,643 | $2,223 |
| E-9 (Sergeant Major) | $2,766 | $2,298 |
| W-1 (Warrant Officer) | $2,460 | $2,037 |
| W-2 (Chief Warrant Officer 2) | $2,580 | $2,220 |
| W-3 (Chief Warrant Officer 3) | $2,712 | $2,310 |
| W-4 (Chief Warrant Officer 4) | $2,787 | $2,460 |
| W-5 (Chief Warrant Officer 5) | $2,886 | $2,562 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $2,556 | $2,160 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $2,691 | $2,280 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $2,802 | $2,433 |
| O-1 (Second Lieutenant/Ensign) | $2,202 | $1,953 |
| O-2 (First Lieutenant/LTJG) | $2,439 | $2,133 |
| O-3 (Captain/Lieutenant) | $2,709 | $2,337 |
| O-4 (Major/LCDR) | $2,913 | $2,538 |
| O-5 (Lieutenant Colonel/CDR) | $3,060 | $2,595 |
| O-6 (Colonel/Captain) | $3,084 | $2,691 |
| O-7 (Brigadier General/RDML) | $3,105 | $2,736 |
Panama City, FL — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $2,058 to $3,060 — a $1,002 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for Panama City, FL.
BAH Rate History (Estimated)
BAH Rate History — E-5 in Panama City, FL
With Dependents • 2022–2026 (+$468 / +27.6%)
* Rates sourced from official DoD BAH rate publications for each year.
Panama City vs. Nearby FL Duty Stations
E-5 with dependents BAH comparison. Panama City ranks #5 — $1,806/mo less than Florida Keys.
About BAH in Panama City, FL
The 2026 Basic Allowance for Housing rate for Panama City, Florida reflects the local cost of rental housing in the FL063 Military Housing Area. BAH rates are determined by surveying rental costs for various housing profiles in the area.
For an E-5 with dependents stationed in Panama City, the monthly BAH rate is $2,163, which comes to $25,956 per year. Without dependents, the same pay grade receives $1,863 per month.
BAH Rates by Rank in Panama City
View Panama City BAH rates broken down by specific pay grade: E-5 BAH rates, E-6 BAH rates, E-7 BAH rates, O-3 BAH rates, or browse all pay grades.
Using BAH Toward a VA Home Loan
Many service members in Panama City use their BAH to cover mortgage payments on a VA home loan. Use our BAH affordability tool to see what you can afford. Since BAH is non-taxable, it can stretch further than equivalent taxable income when qualifying for a mortgage.
Related Resources
- Historical BAH rates — See how Panama City rates changed from 2022 to 2026
- Compare BAH rates — Compare Panama City with another duty station
- All Florida duty stations