Quick answer, as of September 8, 2026
The 2026 E-5 monthly BAH is $1,863 with dependents or $1,644 without dependents in Pensacola (FL064). In Eglin AFB (FL056), including Hurlburt Field and Duke Field, the E-5 amounts are $2,433 and $2,157. Compare these allowances with your actual income, debts and property-specific ownership expenses.
Gregg Costin, Realtor, Levin Rinke Realty
All rates below are monthly US-dollar amounts for 2026. Source: the official DoD BAH rate lookup and its archived 2026 rate tables. Download the 96 rate values as CSV.
2026 Pensacola, Florida BAH rates (FL064)
Use this table for the Pensacola housing-area examples, including NAS Pensacola, Corry Station, Saufley Field and NAS Whiting Field. Confirm the applicable area using your permanent duty-station ZIP.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,794.00 | $1,521.00 |
| E-2 | $1,794.00 | $1,521.00 |
| E-3 | $1,794.00 | $1,521.00 |
| E-4 | $1,794.00 | $1,521.00 |
| E-5 | $1,863.00 | $1,644.00 |
| E-6 | $2,235.00 | $1,722.00 |
| E-7 | $2,256.00 | $1,791.00 |
| E-8 | $2,265.00 | $1,941.00 |
| E-9 | $2,304.00 | $2,046.00 |
| W-1 | $2,253.00 | $1,782.00 |
| W-2 | $2,262.00 | $1,938.00 |
| W-3 | $2,274.00 | $2,061.00 |
| W-4 | $2,325.00 | $2,229.00 |
| W-5 | $2,427.00 | $2,241.00 |
| O-1E | $2,259.00 | $1,860.00 |
| O-2E | $2,268.00 | $2,022.00 |
| O-3E | $2,340.00 | $2,226.00 |
| O-1 | $1,914.00 | $1,719.00 |
| O-2 | $2,232.00 | $1,842.00 |
| O-3 | $2,271.00 | $2,097.00 |
| O-4 | $2,457.00 | $2,232.00 |
| O-5 | $2,610.00 | $2,244.00 |
| O-6 | $2,631.00 | $2,247.00 |
| O-7 | $2,646.00 | $2,259.00 |
2026 Eglin AFB and Hurlburt Field BAH rates (FL056)
Use this table for the Eglin housing-area examples, including Eglin AFB, Hurlburt Field and Duke Field. Confirm the applicable area using your permanent duty-station ZIP.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,340.00 | $2,007.00 |
| E-2 | $2,340.00 | $2,007.00 |
| E-3 | $2,340.00 | $2,007.00 |
| E-4 | $2,340.00 | $2,007.00 |
| E-5 | $2,433.00 | $2,157.00 |
| E-6 | $2,526.00 | $2,250.00 |
| E-7 | $2,841.00 | $2,340.00 |
| E-8 | $3,189.00 | $2,457.00 |
| E-9 | $3,447.00 | $2,586.00 |
| W-1 | $2,544.00 | $2,322.00 |
| W-2 | $2,985.00 | $2,454.00 |
| W-3 | $3,414.00 | $2,589.00 |
| W-4 | $3,456.00 | $2,604.00 |
| W-5 | $3,516.00 | $2,922.00 |
| O-1E | $2,910.00 | $2,430.00 |
| O-2E | $3,351.00 | $2,514.00 |
| O-3E | $3,468.00 | $2,601.00 |
| O-1 | $2,451.00 | $2,244.00 |
| O-2 | $2,523.00 | $2,406.00 |
| O-3 | $3,399.00 | $2,592.00 |
| O-4 | $3,528.00 | $2,865.00 |
| O-5 | $3,612.00 | $3,066.00 |
| O-6 | $3,642.00 | $3,393.00 |
| O-7 | $3,669.00 | $3,453.00 |
Which BAH area applies to your assignment?
Pensacola uses FL064 for the NAS Pensacola, Corry Station, Saufley Field and NAS Whiting Field examples. FL056, Eglin AFB, covers the Eglin, Hurlburt Field and Duke Field examples. BAH eligibility normally follows your permanent duty-station ZIP, pay grade and dependency status. The address of a home you are considering does not by itself change your allowance.
Use the official DoD lookup and your finance office to confirm your personal entitlement. The published E-5 with-dependent difference between these two areas is $570 per month. That is an allowance difference, not a guaranteed difference in buying power.
Compare a home with your monthly budget
The starting home price and expense amounts are invented planning inputs. The 6.71% rate is a conventional national benchmark dated September 3, 2026, not a VA quote. Replace every input with your own figures. Calculations stay in your browser.
The default $300,000 example produces $1,979.49 principal and interest, $2,779.49 loan, tax and insurance costs, and $3,329.49 total monthly costs including dues, upkeep reserve and utilities. Initial cash, prepaid costs and future increases are separate. These are mathematical illustrations, not market-wide price limits or lender decisions.
To compare your income scenarios, use the actual-income and BAH worksheet. To compare two homes and export a worksheet, use the civilian ownership-cost comparison.
How to use the result before you make an offer
Begin with a monthly budget that leaves room for debts, savings and your other household expenses. Compare it with the full cost of the property. Then ask the lender to review documented income, credit, entitlement, residual income and the home itself. A budget calculation and a lending decision answer different questions.
The funding-fee selector follows the VA purchase bands: first use below 5% down is 2.15%; subsequent use below 5% is 3.3%; 5% to less than 10% is 1.5%; and 10% or more is 1.25%. Confirm any exemption with your lender. A financed fee increases the loan balance; a fee paid at closing belongs in your separate initial-cash plan.
Taxes and insurance are address-specific. Enter a buyer-based annual tax estimate that includes applicable charges, plus actual coverage quotes. Do not assume the seller's homestead savings transfer to you. For Alabama, use the Alabama parcel's tax information; this tool does not apply a Florida exemption or an Escambia County tax rate.
For a condominium, use the condominium document checklist to identify dues, assessments, insurance responsibilities and reserve questions. Keep one-time special assessments and initial repairs in your cash plan if they are not recurring monthly charges.
Connect your VA plan to the right local home search
Gregg Costin serves buyers and sellers from Gulf Shores through Pensacola to Destin. Compare the actual property, documents, ownership costs and duty location before narrowing the search.
| Area | Property guidance | Military move planning |
|---|---|---|
| Gulf Shores, Orange Beach and Foley | Gulf Shores, Orange Beach and Foley homes and documents | Pensacola-area duty planning |
| Pensacola, Perdido Key and Gulf Breeze | Pensacola, Perdido Key and Gulf Breeze homes and documents | Installation and PCS guide |
| Milton and Pace | Milton and Pace homes and documents | Installation and PCS guide |
| Navarre and Mary Esther | Navarre and Mary Esther homes and documents | Installation and PCS guide |
| Fort Walton Beach, Niceville and Crestview | Fort Walton Beach, Niceville and Crestview homes and documents | Installation and PCS guide |
| Destin | Destin homes and documents | Destin veteran home buying |
For a sale or an upcoming PCS, compare selling with The Costin Team and keeping a home after your next move.
Source and review record
The 96 allowance amounts shown here match the official 2026 DoD ASCII archive downloaded September 6, 2026. The tables and CSV were rechecked against that archived dataset on September 23. The financial guidance below retains its September 8 review date. A finance office should confirm your individual entitlement and any rate protection.
Sources reviewed September 8, 2026: DoD BAH lookup, DoD BAH eligibility, VA purchase funding fees, VA eligibility and restoration, Freddie Mac PMMS, Florida buyer property-tax guidance and CFPB ownership-budget guidance.
Frequently asked questions
Where can I find the 2026 Pensacola, Florida BAH rates for my rank?
Use the Pensacola FL064 table and choose the with-dependent or without-dependent column. The table covers E-1 through E-9, W-1 through W-5, O-1 through O-7 and O-1E through O-3E. Use the official DoD lookup for other grades and confirm your duty-station ZIP, eligibility and any individual rate protection with finance. These are monthly amounts, not home-price limits.
What is the 2026 BAH rate for an E-5 in Pensacola?
The published FL064 monthly rate is $1,863 with dependents and $1,644 without dependents. Your finance office should confirm your duty-station ZIP, eligibility and any individual rate protection.
What BAH area covers Eglin AFB and Hurlburt Field?
The 2026 housing-area code is FL056, Eglin AFB. It includes the Eglin, Hurlburt and Duke Field examples on this site. An E-5 receives the published $2,433 with-dependent or $2,157 without-dependent monthly rate, subject to individual eligibility.
Does my BAH tell me how much house I can buy?
BAH is one income component. Your actual pay, other income, debts, residual income and the property review also affect financing. The calculator compares costs with an entered monthly budget; it does not issue a mortgage approval or assign a purchase price to a rank.
Which ownership costs should I compare with BAH?
Include principal and interest, buyer-based property tax, homeowners and wind coverage, flood coverage, mortgage insurance if applicable, association dues and assessments. Add a separate maintenance reserve and utilities to understand the broader household budget.
Is the calculator interest rate a VA loan quote?
No. Its starting 6.71% rate is the Freddie Mac conventional 30-year national average dated September 3, 2026. It is only a dated reference. Replace it with a lender quote for the loan, property and borrower being considered.
Can the tax and insurance estimates be reused from Pensacola to Gulf Shores or Destin?
Use estimates for each property. The calculator does not apply an Escambia millage rate or a Florida exemption to Alabama or another county. Enter the buyer-based annual tax estimate and quoted insurance costs for the actual parcel.
Build your property-specific plan with Gregg
Bring your target area, move date and the home or type of property you are considering. We can organize the local property questions before you make an offer.
Contact hours: 6 a.m. to midnight Central, daily. Gregg's professional record.