The monthly Basic Allowance for Housing (BAH) for Panama City, FL — Military Housing Area FL063 in Florida — is shown below for every pay grade, with and without dependents. These are the official 2026 DTMO rates; an E-5 with dependents receives $2,163/month here. 2027 figures are projections until the DoD publishes official 2027 rates in December 2026.
2026 BAH rates: Panama City, FL
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E1 | $2,058 | $1,713 |
| E2 | $2,058 | $1,713 |
| E3 | $2,058 | $1,713 |
| E4 | $2,058 | $1,713 |
| E5 | $2,163 | $1,863 |
| E6 | $2,442 | $1,959 |
| E7 | $2,538 | $2,058 |
| E8 | $2,643 | $2,223 |
| E9 | $2,766 | $2,298 |
| W1 | $2,460 | $2,037 |
| W2 | $2,580 | $2,220 |
| W3 | $2,712 | $2,310 |
| W4 | $2,787 | $2,460 |
| W5 | $2,886 | $2,562 |
| O1E | $2,556 | $2,160 |
| O2E | $2,691 | $2,280 |
| O3E | $2,802 | $2,433 |
| O1 | $2,202 | $1,953 |
| O2 | $2,439 | $2,133 |
| O3 | $2,709 | $2,337 |
| O4 | $2,913 | $2,538 |
| O5 | $3,060 | $2,595 |
| O6 | $3,084 | $2,691 |
| O7 | $3,105 | $2,736 |
| O8 | $3,105 | $2,736 |
| O9 | $3,105 | $2,736 |
| O10 | $3,105 | $2,736 |
Notes
- O-8, O-9 and O-10 are paid at the O-7 rate, per DTMO tables.
- BAH is tax-free and rate-protected: your rate cannot drop while you stay in the same area.
- Use the BAH Calculator 2027 for an exact figure by ZIP code, or try the duty-station comparison before a PCS.