BAH 2026Military housing area FL063
Panama City, FL BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Panama City, FL military housing area, with and without dependents, and the 19 ZIP codes it covers.
On this page5 sections
- E‑5 with dependents
- $2,163a month148th highest of 338
- E‑5 without dependents
- $1,863a month
- O‑3 with dependents
- $2,709a monthtied for 144th highest of 338
- ZIP codes
- 19in this DoD area
Panama City, FL pays $2,163 a month for an E‑5 with dependents: the 148th 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 FL063. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| 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 |
| Warrant officers | ||
| 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 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,556 | $2,160 |
| O‑2E | $2,691 | $2,280 |
| O‑3E | $2,802 | $2,433 |
| Officers | ||
| 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 | $3,105 | $2,736 |
| O‑8† | $3,105 | $2,736 |
| O‑9† | $3,105 | $2,736 |
| O‑10† | $3,105 | $2,736 |
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 19 ZIP codes in Panama City, FL (FL063). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 32407, the ZIP of Naval Support Activity Panama City.
Show all 19 ZIP codesAll 19 ZIP codes
- 324xx
- 32401 32402 32403 32404 32405 32406 32407 32408 32409 32410 32411 32412 32413 32417 32438 32444 32456 32461 32466
Installations whose address is in this area
Military OneSource lists these installations at a ZIP code in FL063; the ZIP shown is the one in each installation’s main contact address.
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.