The E-5 rate here is $45 above the typical US housing area ($2,118), and ranks 159 of 299 from lowest to highest. Housing area code FL063, covering 19 ZIP codes.
Enlisted
Warrant officers
Officers
Officers with prior enlisted service
Total pay for an E-5 here
An E-5 with over 6 years of service and dependents stationed in this housing area receives $4,110.00 in basic pay, $2,163 in BAH and $476.95 in BAS, for $6,749.95 a month. The BAH and BAS part, $2,639.95, is not taxed. Work out your own total or your take-home pay.
ZIP codes in this housing area
Includes 32401, 32402, 32403, 32404, 32405, 32406, 32407, 32408, 32409, 32410, 32411, 32412 and 7 more. BAH is based on the ZIP code of your duty station, not where you choose to live. Look up a ZIP code.
Common questions
What is BAH for an E-5 at Panama City? $2,163 a month with dependents and $1,863 without, in 2026. That is $25,956 a year, tax-free.
How much is BAH for an E-4 at Panama City? $2,058 a month with dependents and $1,713 without.
How much is BAH for an O-3 at Panama City? $2,709 a month with dependents and $2,337 without.
What is the GI Bill housing allowance near Panama City? For a full-time student attending classes in person at a school in this housing area, the Post-9/11 GI Bill pays the E-5 with-dependents rate: $2,163 a month in 2026.
When do 2027 BAH rates come out? Usually in mid-December. They take effect January 1, and rate protection keeps your current amount if the new rate is lower.
