United States · BAH 2026 · Florida
Panama City, FL BAH rates 2026
In Panama City, FL, 2026 BAH runs from $1,713 a month (E-1 without dependents) to $3,105 (O-7 and above with dependents). An E-5 with dependents gets $2,163 a month, not taxed.
Panama City, FL · E-5 · with dependents
$2,163 a month
$25,956 a year, not taxed.
| 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 and above | $3,105 | $2,736 |
What is take-home pay with BAH in Panama City, FL?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. Florida has no income tax on wages, so no state tax comes off.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $1,713.00 | $2,058.00 | $2,337.00 | $2,709.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | none | none | none | none |
| Take-home a month | $5,169.73 | $5,671.04 | $8,595.04 | $9,332.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Panama City, FL?
DTMO’s 2026 list maps 19 ZIP codes to this housing area (FL063). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
32401, 32402, 32403, 32404, 32405, 32406, 32407, 32408, 32409, 32410, 32411, 32412, 32413, 32417, 32438, 32444, 32456, 32461, 32466
How does Panama City, FL BAH compare?
For an E-5 with dependents, Panama City, FL pays $2,163 a month: number 148 of 338 housing areas, and $102 above the middle of all areas ($2,061). Other housing areas in Florida:
- Eglin AFB, FL E-5 with dependents $2,433
- Florida Keys, FL E-5 with dependents $3,969
- Fort Myers Beach, FL E-5 with dependents $2,694
- Fort Pierce, FL E-5 with dependents $2,691
- Gainesville, FL E-5 with dependents $2,040
- Jacksonville, FL E-5 with dependents $2,181
- Miami/Fort Lauderdale, FL E-5 with dependents $3,660
- Ocala, FL E-5 with dependents $2,370
- Orlando, FL E-5 with dependents $2,658
- Patrick SFB, FL E-5 with dependents $2,502
- Pensacola, FL E-5 with dependents $1,863
- Tallahassee, FL E-5 with dependents $1,824
- Tampa, FL E-5 with dependents $2,709
- Volusia County, FL E-5 with dependents $2,286
- West Palm Beach, FL E-5 with dependents $3,423
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- Florida minimum wage The Florida minimum wage for 2026 and 2027, with full-time pay.
- Florida paycheck calculator Take-home pay for a civilian job in Florida, after federal and state tax.
Questions about BAH in Panama City, FL
What is E-5 BAH in Panama City, FL for 2026?
$2,163 a month with dependents and $1,863 without ($25,956 and $22,356 a year). That ranks 148 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Panama City, FL?
An O-3 gets $2,709 a month with dependents and $2,337 without in 2026. A W-2 gets $2,580 and $2,220.
How much BAH does an E-1 get in Panama City, FL?
$2,058 a month with dependents and $1,713 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Panama City, FL BAH rates?
19 ZIP codes in DTMO’s 2026 list map to this housing area (FL063): 32401, 32402, 32403, 32404, 32405 and 14 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Panama City, FL taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $5,672.35 a month here with allowances and takes home about $5,169.73. Florida has no income tax on wages, so no state tax comes off.
When will Panama City, FL BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.