PENSACOLA, FL · MHA FL064 · effective January 1, 2026
Naval Air Station Pensacola BAH Rates 2026
Official 2026 Basic Allowance for Housing rates for Naval Air Station Pensacola, which falls in the Pensacola, FL housing area (FL064). An E-5 with dependents receives $1,863 per month here ($1,644 without dependents).
That is about 16% below the $2,225 average across all 338 military housing areas, ranking 210 of 338. BAH is tax-free, and most members also draw BAS at $476.95/month (enlisted).
E-4 with dependents
$1,794/mo
$1,521 without
E-5 with dependents
$1,863/mo
$1,644 without
E-6 with dependents
$2,235/mo
$1,722 without
E-7 with dependents
$2,256/mo
$1,791 without
O-1 with dependents
$1,914/mo
$1,719 without
O-3 with dependents
$2,271/mo
$2,097 without
2026 BAH rates at Naval Air Station Pensacola — all pay grades
Monthly, tax-free. O-1E/O-2E/O-3E are officers with prior enlisted service.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,794 | $1,521 |
| E-2 | $1,794 | $1,521 |
| E-3 | $1,794 | $1,521 |
| E-4 | $1,794 | $1,521 |
| E-5 | $1,863 | $1,644 |
| E-6 | $2,235 | $1,722 |
| E-7 | $2,256 | $1,791 |
| E-8 | $2,265 | $1,941 |
| E-9 | $2,304 | $2,046 |
| W-1 | $2,253 | $1,782 |
| W-2 | $2,262 | $1,938 |
| W-3 | $2,274 | $2,061 |
| W-4 | $2,325 | $2,229 |
| W-5 | $2,427 | $2,241 |
| O-1E | $2,259 | $1,860 |
| O-2E | $2,268 | $2,022 |
| O-3E | $2,340 | $2,226 |
| O-1 | $1,914 | $1,719 |
| O-2 | $2,232 | $1,842 |
| O-3 | $2,271 | $2,097 |
| O-4 | $2,457 | $2,232 |
| O-5 | $2,610 | $2,244 |
| O-6 | $2,631 | $2,247 |
| O-7 | $2,646 | $2,259 |
| O-8 | $2,646 | $2,259 |
| O-9 | $2,646 | $2,259 |
| O-10 | $2,646 | $2,259 |
Need a different location? Use the BAH calculator to look up any US ZIP code.
Which ZIP codes get the Naval Air Station Pensacola rate
Housing area FL064 covers 38 ZIP codes. If your duty station falls in any of them you receive the rates on this page, whatever your home address. At this location the with-dependents rate runs 13% above the without-dependents rate, and pay grades span $1,794 to $2,646 per month.
ZIP codes in FL064
32501, 32502, 32503, 32504, 32505, 32506, 32507, 32508, 32509, 32511, 32512, 32513, 32514, 32516, 32520, 32521, 32522, 32523, 32524, 32526, 32530, 32533, 32534, 32535, 32559, 32560, 32561, 32562, 32563, 32565, 32566, 32568, 32570, 32571, 32572, 32577, 32583, 32591
Not listed? Look up any US ZIP with the BAH calculator.
Installations with similar BAH to Naval Air Station Pensacola
An E-5 with dependents draws $1,863/month here — $22,356 a year, tax-free. These bases pay closest to the same:
| Installation | Area | E-5 w/ dependents |
|---|---|---|
| Naval Air Station Pensacola | Pensacola, FL | $1,863 |
| Joint Base San Antonio | San Antonio, TX | $1,869 |
| Fort Jackson | Columbia/Fort Jackson, SC | $1,878 |
| Barksdale AFB | Shreveport/Barksdale AFB, LA | $1,845 |
| Fort Gordon | Fort Gordon / Augusta, GA | $1,890 |
What these rates mean at Naval Air Station Pensacola
Your BAH is fixed by your duty-station ZIP code, pay grade and dependency status — not by your actual rent or where in the area you choose to live. Everyone assigned to Naval Air Station Pensacola at the same grade and dependency status receives the identical amount, so housing cheaper than your allowance leaves money in your pocket, and anything above it comes out of your own.
Rates are re-set every January from fresh local rental surveys. Individual rate protection means your BAH will not fall while you stay at Naval Air Station Pensacola in the same grade with the same dependency status, even if the published rate for the area drops.
To see BAH alongside basic pay and BAS for your total monthly compensation, use the military pay calculator, or check basic pay by rank on the 2026 military pay chart.
Frequently asked questions
What is the BAH rate at Naval Air Station Pensacola in 2026?
An E-5 with dependents assigned to Naval Air Station Pensacola receives $1,863 per month in 2026, or $1,644 without dependents. Naval Air Station Pensacola sits in the PENSACOLA, FL military housing area (FL064). Rates vary by pay grade — the full table is on this page.
Is BAH at Naval Air Station Pensacola higher or lower than average?
For an E-5 with dependents, Naval Air Station Pensacola pays $1,863 against a $2,225 average across all 338 housing areas — about 16% below the national mean, ranking 210 of 338 areas.
Does BAH at Naval Air Station Pensacola depend on where I actually live?
No. Your BAH is set by your duty-station ZIP code, not your home address, so everyone assigned to Naval Air Station Pensacola at the same grade and dependency status receives the same rate. If you rent for less than your BAH you keep the difference; if you spend more, you cover it.
BAH rates at other installations
Source
Rates are the 2026 tables published by the Defense Travel Management Office for military housing area FL064 (PENSACOLA, FL), effective January 1, 2026. Installation-to-area mapping uses the official DTMO ZIP file (duty-station ZIP 32508). This page is for estimation; your finance office is the authority on your entitlement.