Tyndall AFB
Panama City, Florida · Air Force
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Showing E-5 with dependents for the Panama City, FL MHA.
Quick Facts
Location
Panama City, FL
Branch
Air Force
MHA
Panama City, FL
E-5 w/dep
$2,163/mo
State Tax
No state income tax
How This Market Compares
The Panama City area has seen shifting rents during post-hurricane reconstruction. Lynn Haven, Callaway, and Marianna are nearby alternatives. Verify current rental availability as the local market continues to evolve.
E-5 w/dep BAH here
$2,163/mo
Natl median E-5 w/dep
$2,061/mo
vs. natl avg
+$102/mo
2026 BAH Rates — Panama City, FL
Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.
E-4 w/dep: $2,058/mo·E-5 w/dep: $2,163/mo·E-6 w/dep: $2,442/mo
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $2,058 | $1,713 |
| E-2 (PV2/FA/A1C/PFC) | $2,058 | $1,713 |
| E-3 (PFC/SA/SrA/LCpl) | $2,058 | $1,713 |
| E-4 (SPC/Cpl/SN/Cpl) | $2,058 | $1,713 |
| E-5 (SGT/PO2/SSgt) | $2,163 | $1,863 |
| E-6 (SSG/PO1/TSgt) | $2,442 | $1,959 |
| E-7 (SFC/CPO/MSgt) | $2,538 | $2,058 |
| E-8 (MSG/1SG/SCPO) | $2,643 | $2,223 |
| E-9 (SGM/CSM/MCPO) | $2,766 | $2,298 |
| Warrant Officer | ||
| W-1 (WO1) | $2,460 | $2,037 |
| W-2 (CW2) | $2,580 | $2,220 |
| W-3 (CW3) | $2,712 | $2,310 |
| W-4 (CW4) | $2,787 | $2,460 |
| W-5 (CW5) | $2,886 | $2,562 |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $2,556 | $2,160 |
| O-2E (1LT — prior enlisted) | $2,691 | $2,280 |
| O-3E (CPT — prior enlisted) | $2,802 | $2,433 |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $2,202 | $1,953 |
| O-2 (1LT/LTJG/1stLt) | $2,439 | $2,133 |
| O-3 (CPT/LT/Capt) | $2,709 | $2,337 |
| O-4 (MAJ/LCDR/Maj) | $2,913 | $2,538 |
| O-5 (LTC/CDR/LtCol) | $3,060 | $2,595 |
| O-6 (COL/CAPT/Col) | $3,084 | $2,691 |
| O-7 (BG/RDML/BGen) | $3,105 | $2,736 |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.
Key Insights for Tyndall AFB
An E-5 with dependents receives $2,163/month — that's $25,956/year in tax-free housing money to cover costs in the Panama City, 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.