NSA Panama City BAH Rates 2026

MHA: PANAMA CITY, FL

Calculate your Basic Allowance for Housing (BAH) for NSA Panama City. Rates are based on the PANAMA CITY, FL Military Housing Area.

2026 BAH Calculator

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Select a location and pay grade to see your BAH rate

All NSA Panama City BAH Rates by Pay Grade

Pay 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 Officer
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
Officer (Prior Enlisted)
O-1E (Prior Enlisted)	$2,556	$2,160
O-2E (Prior Enlisted)	$2,691	$2,280
O-3E (Prior Enlisted)	$2,802	$2,433
Officer
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

Official 2026 BAH rates for the PANAMA CITY, FL Military Housing Area, effective January 1, 2026.

About NSA Panama City

Seasonal factors greatly affect demand in the local housing market because the as a result of the area’s tourist population. Although the area’s metro population is only approximately 163,984 – the beaches encounter almost 6 million visitors each calendar year. In addition, there is typically an influx of Canadian visitors during the winter months who escape the harsh winters up north for more mild winters. Although, it is difficult to find furnished units during the summer, as a rule, there is a fair selection of long term, unfurnished dwellings available in the civilian community. The average rental rates for a 3 bedroom, 2 bath single dwelling (a nice, middle-class home) is approximately $900 - $1250 per month. You can expect to pay less in apartment units, duplexes, e...

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