NAS Key West
Key West, Florida · Navy
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Quick reference: 2026 BAH rates at NAS Key West
For 2026, BAH rates at NAS Key West (Florida Keys, FL MHA) are: E-4 with dependents: $3,813/mo · E-5 without dependents: $3,459/mo · E-5 with dependents: $3,969/mo · E-6 with dependents: $4,056/mo · E-7 with dependents: $4,350/mo · O-3 with dependents: $4,872/mo. BAH is excluded from federal taxable income. Full rates for all pay grades are in the table below.
Showing E-5 with dependents for the Florida Keys, FL MHA.
Year over year: ▲ +$57 (1.5%) vs 2025
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
NAS Key West BAH for an E-5 with dependents is $3,969/month — $1,908/month above the national median of $2,061. That ranks the Florida Keys, FL MHA 13th-highest of the 338 military housing areas tracked nationwide (top 4%) for the E-5 with-dependents rate.
E-5 w/dep BAH here
$3,969/mo
Natl median E-5 w/dep
$2,061/mo
vs. national median
+$1,908/mo
BAH vs. Local Rent
Across this area, 2-bedroom Fair Market Rent runs about $2,375–$2,502 (median $2,475).
E-5 w/dep BAH
$3,969/mo
2BR rent (HUD FMR, FY2026)
$2,475 median
$2,375–$2,502 range
The 2026 BAH for E-5 with dependents ($3,969) is above the area's 75th-percentile 2-bedroom rent — it covers a 2-bedroom across most of this area.
BAH is designed to cover about 95% of typical local housing costs — rent plus utilities — for a member's pay grade and dependency status, leaving a roughly 5% member cost share.
2-bedroom Fair Market Rent (HUD, FY2026). 2-bedroom is the reference point closest to junior- and mid-grade housing; larger households and senior grades typically need more space. Rent figures are HUD Small Area Fair Market Rents matched to this installation's Military Housing Area by ZIP code. MHA boundaries and HUD rent areas don't align perfectly, so these are area-level reference figures, not a personalized rent estimate. FMR is a gross-rent figure that includes tenant-paid utilities — the same basis BAH is built on.
How NAS Key West BAH is set
BAH is set by Military Housing Area (MHA), not by your specific ZIP code or neighborhood. NAS Key West falls in the Florida Keys, FL MHA — every installation and address in that MHA receives the same rate for a given pay grade and dependency status, so multiple bases can share one rate.
For 2026, the E-5 with-dependents rate at NAS Key West rose $57 (+1.5%) from 2025's $3,912/month — about $684 more over the year, excluded from federal taxable income. That's below the national average BAH increase of 4.2% for 2026.
Some pay grades at NAS Key West decreased for 2026 compared with 2025. Under individual rate protection, service members who have remained at this duty station with the same pay grade and dependency status keep their higher prior-year rate. The lower 2026 rate applies to members who arrive at this location or whose dependency status changes in 2026.
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▲ +$78 (2.1%) | $3,084▲ +$87 (2.9%) |
| E-2 (PV2/FA/A1C/PFC) | $3,813▲ +$78 (2.1%) | $3,084▲ +$87 (2.9%) |
| E-3 (PFC/SA/SrA/LCpl) | $3,813▲ +$78 (2.1%) | $3,084▲ +$87 (2.9%) |
| E-4 (SPC/Cpl/SN/Cpl) | $3,813▲ +$78 (2.1%) | $3,084▲ +$87 (2.9%) |
| E-5 (SGT/PO2/SSgt) | $3,969▲ +$57 (1.5%) | $3,459▲ +$99 (2.9%) |
| E-6 (SSG/PO1/TSgt) | $4,056▼ −$210 (4.9%) | $3,672▲ +$102 (2.9%) |
| E-7 (SFC/CPO/MSgt) | $4,350▼ −$123 (2.7%) | $3,819▲ +$78 (2.1%) |
| E-8 (MSG/1SG/SCPO) | $4,677▼ −$18 (0.4%) | $3,993▲ +$6 (0.2%) |
| E-9 (SGM/CSM/MCPO) | $5,097▲ +$39 (0.8%) | $4,005▼ −$81 (2.0%) |
| Warrant Officer | ||
| W-1 (WO1) | $4,074▼ −$213 (5.0%) | $3,771▲ +$87 (2.4%) |
| W-2 (CW2) | $4,485▼ −$78 (1.7%) | $3,990▲ +$6 (0.2%) |
| W-3 (CW3) | $4,884▲ +$45 (0.9%) | $4,011▼ −$90 (2.2%) |
| W-4 (CW4) | $5,178▲ +$36 (0.7%) | $4,119▼ −$192 (4.5%) |
| W-5 (CW5) | $5,529▲ +$27 (0.5%) | $4,425▼ −$99 (2.2%) |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $4,413▼ −$99 (2.2%) | $3,966▲ +$57 (1.5%) |
| O-2E (1LT — prior enlisted) | $4,827▲ +$27 (0.6%) | $4,002▼ −$63 (1.5%) |
| O-3E (CPT — prior enlisted) | $5,232▲ +$39 (0.8%) | $4,044▼ −$213 (5.0%) |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $3,987▲ +$24 (0.6%) | $3,657▲ +$105 (3.0%) |
| O-2 (1LT/LTJG/1stLt) | $4,053▼ −$210 (4.9%) | $3,921▲ +$63 (1.6%) |
| O-3 (CPT/LT/Capt) | $4,872▲ +$42 (0.9%) | $4,017▼ −$120 (2.9%) |
| O-4 (MAJ/LCDR/Maj) | $5,655▲ +$21 (0.4%) | $4,374▼ −$111 (2.5%) |
| O-5 (LTC/CDR/LtCol) | $6,213▲ +$6 (0.1%) | $4,659▲ +$3 (0.1%) |
| O-6 (COL/CAPT/Col) | $6,267▲ +$3 (0.0%) | $4,863▲ +$42 (0.9%) |
| O-7 (BG/RDML/BGen) | $6,321No change | $4,953▲ +$42 (0.9%) |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.
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BAH is just one piece of your pay
See your full compensation at NAS Key West — including base pay, BAS, tax advantages, and what a civilian would need to earn to match it.
Calculate your total compensation →Key Insights for NAS Key West
An E-5 with dependents receives $3,969/month — that's $47,628/year in housing money (excluded from federal taxable income) to cover costs in the Florida Keys, FL market.
Florida has no state income tax on military pay, so your BAH, base pay, and special pays are not reduced by state withholding here.
BAH is benchmarked to typical local rental costs for a member's pay grade and dependency status — not premium or above-median housing. Members who choose more expensive housing pay the difference out of pocket.
Frequently Asked Questions
What is the 2026 BAH rate for an E-5 with dependents at NAS Key West?
For 2026, an E-5 with dependents at NAS Key West receives $3,969/month in BAH (Florida Keys, FL MHA). Other grades with dependents: E-6 $4,056/month, E-7 $4,350/month, O-3 $4,872/month. E-5 without dependents is $3,459/month. BAH is excluded from federal taxable income.
Which Military Housing Area (MHA) is used for NAS Key West BAH?
NAS Key West is assigned to the Florida Keys, FL Military Housing Area (MHA). Every installation and address in the same MHA receives the same rate, regardless of exact ZIP or neighborhood. Rates are published annually by the Defense Travel Management Office (DTMO) and take effect January 1.
How much did NAS Key West BAH change from 2025 to 2026?
For 2026, the E-5 with-dependents rate at NAS Key West rose $57 (+1.5%) from 2025's $3,912/month — about $684 more over the year, excluded from federal taxable income. That's below the national average BAH increase of 4.2% for 2026. Rate protection means a member who stays at the same location with the same dependency status keeps their rate even if the published table rate falls.
Does NAS Key West BAH depend on my exact ZIP code?
No. BAH is set by Military Housing Area (MHA), not by your specific ZIP or neighborhood. NAS Key West falls in the Florida Keys, FL MHA, so every ZIP in that area receives the identical rate for a given pay grade and dependency status.
How does NAS Key West BAH compare with nearby installations?
Nearby installations have their own MHA rates. For an E-5 with dependents: Naval Air Station Pensacola is $2,106/month lower, Naval Station Mayport is $1,788/month lower, and NAS Jacksonville is $1,788/month lower — compared with NAS Key West's $3,969/month.
How does BAH at NAS Key West compare with local rent?
For 2026, an E-5 with dependents at NAS Key West receives $3,969/month in BAH. Across the Florida Keys, FL area, 2-bedroom Fair Market Rent (HUD, FY2026) runs about $2,375–$2,502 (median $2,475). The 2026 BAH for an E-5 with dependents ($3,969) is above the area's 75th-percentile 2-bedroom rent — it covers a 2-bedroom across most of this area. BAH is designed to cover about 95% of typical local housing costs — rent plus utilities — for a member's pay grade and dependency status.
Is BAH taxable for service members stationed at NAS Key West?
No. BAH is excluded from federal taxable income under the Military Pay Tax Exclusion. Most states also exempt BAH from state income tax, though treatment varies by state. Service members keep the full dollar value of their housing allowance.
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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.