BAH 2026Military housing area FL057
Gainesville, FL BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Gainesville, FL military housing area, with and without dependents, and the 31 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,040a monthtied for 174th highest of 338
- E‑5 without dependents
- $1,800a month
- O‑3 with dependents
- $2,697a monthtied for 148th highest of 338
- ZIP codes
- 31in this DoD area
Gainesville, FL pays $2,040 a month for an E‑5 with dependents: the tied for 174th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for FL057. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,986 | $1,572 |
| E‑2 | $1,986 | $1,572 |
| E‑3 | $1,986 | $1,572 |
| E‑4 | $1,986 | $1,572 |
| E‑5 | $2,040 | $1,800 |
| E‑6 | $2,355 | $1,932 |
| E‑7 | $2,478 | $1,983 |
| E‑8 | $2,613 | $2,109 |
| E‑9 | $2,793 | $2,196 |
| Warrant officers | ||
| W‑1 | $2,373 | $1,980 |
| W‑2 | $2,532 | $2,106 |
| W‑3 | $2,700 | $2,208 |
| W‑4 | $2,826 | $2,379 |
| W‑5 | $2,982 | $2,508 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,502 | $2,037 |
| O‑2E | $2,676 | $2,175 |
| O‑3E | $2,850 | $2,346 |
| Officers | ||
| O‑1 | $2,085 | $1,929 |
| O‑2 | $2,352 | $2,025 |
| O‑3 | $2,697 | $2,238 |
| O‑4 | $3,033 | $2,481 |
| O‑5 | $3,276 | $2,556 |
| O‑6 | $3,300 | $2,679 |
| O‑7 | $3,324 | $2,724 |
| O‑8† | $3,324 | $2,724 |
| O‑9† | $3,324 | $2,724 |
| O‑10† | $3,324 | $2,724 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 31 ZIP codes in Gainesville, FL (FL057). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 32601, one ZIP in this area.
Show all 31 ZIP codesAll 31 ZIP codes
- 326xx
- 32601 32602 32603 32604 32605 32606 32607 32608 32609 32610 32611 32612 32614 32615 32616 32618 32627 32631 32633 32635 32640 32641 32643 32653 32654 32655 32658 32662 32667 32669 32694
Other areas in Florida
Areas whose DoD code starts with FL, with the E‑5 with-dependents rate for 2026.
- Eglin AFB, FL$2,433
- Florida Keys, FL$3,969
- Fort Myers Beach, FL$2,694
- Fort Pierce, FL$2,691
- Gainesville, FL$2,040
- Jacksonville, FL$2,181
- Miami/Fort Lauderdale, FL$3,660
- Ocala, FL$2,370
- Orlando, FL$2,658
- Panama City, FL$2,163
- Patrick SFB, FL$2,502
- Pensacola, FL$1,863
- Tallahassee, FL$1,824
- Tampa, FL$2,709
- Volusia County, FL$2,286
- West Palm Beach, FL$3,423
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.