NAS Key West
Key West, Florida · Navy
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Showing E-5 with dependents for the Florida Keys, FL MHA.
Quick Facts
Location
Key West, FL
Branch
Navy
MHA
Florida Keys, FL
E-5 w/dep
$3,969/mo
State Tax
No state income tax
How This Market Compares
Key West is one of the most expensive and constrained housing markets in the U.S. On-base housing is highly competitive. BAH is elevated but may not cover Key West proper for all pay grades. Many families commute from Summerland Key, Big Pine Key, or Marathon.
E-5 w/dep BAH here
$3,969/mo
Natl median E-5 w/dep
$2,061/mo
vs. natl avg
+$1,908/mo
2026 BAH Rates — Florida Keys, FL
Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.
E-4 w/dep: $3,813/mo·E-5 w/dep: $3,969/mo·E-6 w/dep: $4,056/mo
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $3,813 | $3,084 |
| E-2 (PV2/FA/A1C/PFC) | $3,813 | $3,084 |
| E-3 (PFC/SA/SrA/LCpl) | $3,813 | $3,084 |
| E-4 (SPC/Cpl/SN/Cpl) | $3,813 | $3,084 |
| E-5 (SGT/PO2/SSgt) | $3,969 | $3,459 |
| E-6 (SSG/PO1/TSgt) | $4,056 | $3,672 |
| E-7 (SFC/CPO/MSgt) | $4,350 | $3,819 |
| E-8 (MSG/1SG/SCPO) | $4,677 | $3,993 |
| E-9 (SGM/CSM/MCPO) | $5,097 | $4,005 |
| Warrant Officer | ||
| W-1 (WO1) | $4,074 | $3,771 |
| W-2 (CW2) | $4,485 | $3,990 |
| W-3 (CW3) | $4,884 | $4,011 |
| W-4 (CW4) | $5,178 | $4,119 |
| W-5 (CW5) | $5,529 | $4,425 |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $4,413 | $3,966 |
| O-2E (1LT — prior enlisted) | $4,827 | $4,002 |
| O-3E (CPT — prior enlisted) | $5,232 | $4,044 |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $3,987 | $3,657 |
| O-2 (1LT/LTJG/1stLt) | $4,053 | $3,921 |
| O-3 (CPT/LT/Capt) | $4,872 | $4,017 |
| O-4 (MAJ/LCDR/Maj) | $5,655 | $4,374 |
| O-5 (LTC/CDR/LtCol) | $6,213 | $4,659 |
| O-6 (COL/CAPT/Col) | $6,267 | $4,863 |
| O-7 (BG/RDML/BGen) | $6,321 | $4,953 |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.
Key Insights for NAS Key West
An E-5 with dependents receives $3,969/month — that's $47,628/year in tax-free housing money to cover costs in the Florida Keys, FL market.
Florida has no state income tax on military pay, meaning your BAH, base pay, and special pays go further here than in high-tax states.
BAH is designed to cover median rental costs — not average or premium rents. Members living in above-median housing pay the difference out of pocket; those in below-median housing keep the surplus.
What to do next
BAH is the starting point. Here are the calculations that matter most for your PCS decision.
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Data Source & Disclaimer
BAH rates are from the Defense Travel Management Office (DTMO) 2026 BAH data, effective January 1, 2026. Rates are set by Military Housing Area (MHA), not individual ZIP code — all ZIPs in the same MHA receive identical rates. This page is for informational purposes only and is not affiliated with DoD, DTMO, or any government agency. Verify your entitlement at travel.dod.mil.