2026 BAH Rates in Florida – Monthly Housing by ZIP & Rank
Florida’s 2026 BAH rates support service members across MacDill, Eglin, NAS Pensacola, and beyond. Whether you’re renting or looking to buy, many military families use BAH to cover a full VA mortgage—with no down payment or PMI.
We can help Veterans get approved with credit scores down to 580 and offer manual underwriting for those who need it. Find your local BAH rates by ZIP code below.
How to Find Your 2026 BAH Rate in Florida
Use the BAH charts below to locate your monthly housing allowance by ZIP code, rank, and dependency status. Florida’s military housing areas are reviewed annually and reflect real-time rental conditions in each region.
What is the Basic Allowance for Housing (BAH)?
BAH is a tax-free housing benefit paid monthly to active-duty military members. It helps cover rent and housing costs for those living off base. In Florida, BAH is especially critical for service members near popular cities like Tampa, Pensacola, and Miami, where housing costs vary widely.
The Department of Defense updates BAH annually to keep pace with ZIP-level rental data. Below are the official 2026 BAH rates across Florida.
How BAH Rates Are Determined
BAH is based on the following factors:
- Location: Each ZIP code is tied to a Military Housing Area (MHA), with rates that reflect local rent costs.
- Rank: Higher ranks receive larger allowances to reflect housing needs.
- Dependents: Those with dependents qualify for a higher BAH to support family accommodations.
How to Use the BAH Charts
To find your 2026 housing allowance:
- Identify your assigned ZIP code or base area.
- Select your rank/pay grade.
- Check your rate based on whether you have dependents.
2026 Florida BAH Rate Charts
BAH rates in Florida rose 5.4% on average for 2026. ZIP codes around MacDill AFB, Eglin AFB, and Naval Air Station Pensacola saw the largest increases. Use the charts below to find your updated monthly housing benefit.
Florida Housing Costs & BAH Impact
Florida’s rental market varies significantly by region. Areas like Tampa, Jacksonville, and the Florida Panhandle continue to grow, which has led to higher BAH rates in 2026. While most base-adjacent areas like Eglin AFB and NAS Pensacola offer affordable rent, more urban ZIPs near MacDill AFB or South Florida may require additional out-of-pocket costs. BAH is reviewed annually to ensure Florida service members have housing support that aligns with local rental conditions.
Convert Your BAH to VA Buying Power
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Explore More BAH Insights
EGLIN AFB, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,340 | $2,007 |
| E02 | $2,340 | $2,007 |
| E03 | $2,340 | $2,007 |
| E04 | $2,340 | $2,007 |
| E05 | $2,433 | $2,157 |
| E06 | $2,526 | $2,250 |
| E07 | $2,841 | $2,340 |
| E08 | $3,189 | $2,457 |
| E09 | $3,447 | $2,586 |
| W01 | $2,544 | $2,322 |
| W02 | $2,985 | $2,454 |
| W03 | $3,414 | $2,589 |
| W04 | $3,456 | $2,604 |
| W05 | $3,516 | $2,922 |
| O01E | $2,910 | $2,430 |
| O02E | $3,351 | $2,514 |
| O03E | $3,468 | $2,601 |
| O01 | $2,451 | $2,244 |
| O02 | $2,523 | $2,406 |
| O03 | $3,399 | $2,592 |
| O04 | $3,528 | $2,865 |
| O05 | $3,612 | $3,066 |
| O06 | $3,642 | $3,393 |
| O07 | $3,669 | $3,453 |
BAH ZIP Codes for EGLIN AFB, FL: 32422, 32433, 32434, 32435, 32439, 32459, 32531, 32536, 32537, 32538, 32539, 32540, 32541, 32542, 32544, 32547, 32548, 32549, 32550, 32564, 32567, 32569, 32578, 32579, 32580, 32588
GAINESVILLE, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,986 | $1,572 |
| E02 | $1,986 | $1,572 |
| E03 | $1,986 | $1,572 |
| E04 | $1,986 | $1,572 |
| E05 | $2,040 | $1,800 |
| E06 | $2,355 | $1,932 |
| E07 | $2,478 | $1,983 |
| E08 | $2,613 | $2,109 |
| E09 | $2,793 | $2,196 |
| W01 | $2,373 | $1,980 |
| W02 | $2,532 | $2,106 |
| W03 | $2,700 | $2,208 |
| W04 | $2,826 | $2,379 |
| W05 | $2,982 | $2,508 |
| O01E | $2,502 | $2,037 |
| O02E | $2,676 | $2,175 |
| O03E | $2,850 | $2,346 |
| O01 | $2,085 | $1,929 |
| O02 | $2,352 | $2,025 |
| O03 | $2,697 | $2,238 |
| O04 | $3,033 | $2,481 |
| O05 | $3,276 | $2,556 |
| O06 | $3,300 | $2,679 |
| O07 | $3,324 | $2,724 |
BAH ZIP Codes for GAINESVILLE, FL: 32601, 32602, 32603, 32604, 32605, 32606, 32607, 32608, 32609, 32610, 32611, 32612, 32614, 32615, 32616, 32618, 32627, 32631, 32633, 32635, 32640, 32641, 32643, 32653, 32654, 32655, 32658, 32662, 32667, 32669, 32694
JACKSONVILLE, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,046 | $1,623 |
| E02 | $2,046 | $1,623 |
| E03 | $2,046 | $1,623 |
| E04 | $2,046 | $1,623 |
| E05 | $2,181 | $1,803 |
| E06 | $2,241 | $1,920 |
| E07 | $2,283 | $2,049 |
| E08 | $2,331 | $2,199 |
| E09 | $2,424 | $2,205 |
| W01 | $2,256 | $2,010 |
| W02 | $2,301 | $2,196 |
| W03 | $2,367 | $2,208 |
| W04 | $2,445 | $2,241 |
| W05 | $2,550 | $2,292 |
| O01E | $2,289 | $2,178 |
| O02E | $2,355 | $2,202 |
| O03E | $2,463 | $2,229 |
| O01 | $2,196 | $1,908 |
| O02 | $2,238 | $2,139 |
| O03 | $2,364 | $2,211 |
| O04 | $2,580 | $2,277 |
| O05 | $2,736 | $2,301 |
| O06 | $2,757 | $2,343 |
| O07 | $2,775 | $2,382 |
BAH ZIP Codes for JACKSONVILLE, FL: 32003, 32004, 32006, 32030, 32033, 32043, 32050, 32065, 32067, 32068, 32073, 32079, 32080, 32081, 32082, 32084, 32085, 32086, 32091, 32092, 32095, 32099, 32145, 32160, 32201, 32202, 32203, 32204, 32205, 32206, 32207, 32208, 32209, 32210, 32211, 32212, 32214, 32216, 32217, 32218, 32219, 32220, 32221, 32222, 32223, 32224, 32225, 32226, 32227, 32228, 32229, 32231, 32232, 32233, 32234, 32235, 32236, 32238, 32239, 32240, 32241, 32244, 32245, 32246, 32247, 32250, 32254, 32255, 32256, 32257, 32258, 32259, 32260, 32266, 32277, 32656
PATRICK SFB, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,325 | $1,845 |
| E02 | $2,325 | $1,845 |
| E03 | $2,325 | $1,845 |
| E04 | $2,325 | $1,845 |
| E05 | $2,502 | $2,037 |
| E06 | $2,883 | $2,163 |
| E07 | $2,907 | $2,331 |
| E08 | $2,916 | $2,583 |
| E09 | $2,955 | $2,691 |
| W01 | $2,904 | $2,274 |
| W02 | $2,913 | $2,580 |
| W03 | $2,925 | $2,706 |
| W04 | $2,976 | $2,880 |
| W05 | $3,081 | $2,889 |
| O01E | $2,910 | $2,499 |
| O02E | $2,919 | $2,667 |
| O03E | $2,991 | $2,877 |
| O01 | $2,553 | $2,148 |
| O02 | $2,880 | $2,445 |
| O03 | $2,922 | $2,742 |
| O04 | $3,108 | $2,883 |
| O05 | $3,267 | $2,892 |
| O06 | $3,294 | $2,895 |
| O07 | $3,315 | $2,922 |
BAH ZIP Codes for PATRICK SFB, FL: 32754, 32775, 32780, 32781, 32783, 32796, 32815, 32899, 32901, 32902, 32903, 32904, 32905, 32906, 32907, 32908, 32909, 32910, 32911, 32912, 32919, 32920, 32922, 32923, 32924, 32925, 32926, 32927, 32931, 32932, 32934, 32935, 32936, 32937, 32940, 32941, 32949, 32950, 32951, 32952, 32953, 32954, 32955, 32956, 32959, 32976
MIAMI/FORT LAUDERDALE, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,459 | $2,661 |
| E02 | $3,459 | $2,661 |
| E03 | $3,459 | $2,661 |
| E04 | $3,459 | $2,661 |
| E05 | $3,660 | $3,048 |
| E06 | $3,792 | $3,273 |
| E07 | $4,026 | $3,465 |
| E08 | $4,281 | $3,693 |
| E09 | $4,656 | $3,720 |
| W01 | $3,813 | $3,399 |
| W02 | $4,131 | $3,690 |
| W03 | $4,446 | $3,729 |
| W04 | $4,737 | $3,840 |
| W05 | $5,085 | $4,083 |
| O01E | $4,074 | $3,657 |
| O02E | $4,398 | $3,714 |
| O03E | $4,791 | $3,780 |
| O01 | $3,687 | $3,252 |
| O02 | $3,789 | $3,597 |
| O03 | $4,437 | $3,738 |
| O04 | $5,208 | $4,041 |
| O05 | $5,763 | $4,323 |
| O06 | $5,814 | $4,425 |
| O07 | $5,862 | $4,506 |
BAH ZIP Codes for MIAMI/FORT LAUDERDALE, FL: 33002, 33004, 33008, 33009, 33010, 33011, 33012, 33013, 33014, 33015, 33016, 33017, 33018, 33019, 33020, 33021, 33022, 33023, 33024, 33025, 33026, 33027, 33028, 33029, 33030, 33031, 33032, 33033, 33034, 33035, 33039, 33054, 33055, 33056, 33060, 33061, 33062, 33063, 33064, 33065, 33066, 33067, 33068, 33069, 33071, 33072, 33073, 33074, 33075, 33076, 33077, 33081, 33082, 33083, 33084, 33090, 33092, 33093, 33097, 33101, 33102, 33106, 33109, 33111, 33112, 33114, 33116, 33119, 33122, 33124, 33125, 33126, 33127, 33128, 33129, 33130, 33131, 33132, 33133, 33134, 33135, 33136, 33137, 33138, 33139, 33140, 33141, 33142, 33143, 33144, 33145, 33146, 33147, 33149, 33150, 33151, 33152, 33153, 33154, 33155, 33156, 33157, 33158, 33160, 33161, 33162, 33163, 33164, 33165, 33166, 33167, 33168, 33169, 33170, 33172, 33173, 33174, 33175, 33176, 33177, 33178, 33179, 33180, 33181, 33182, 33183, 33184, 33185, 33186, 33187, 33188, 33189, 33190, 33191, 33192, 33193, 33194, 33195, 33196, 33197, 33198, 33199, 33206, 33222, 33231, 33233, 33234, 33238, 33239, 33242, 33243, 33245, 33247, 33255, 33256, 33257, 33261, 33265, 33266, 33269, 33280, 33283, 33296, 33299, 33301, 33302, 33303, 33304, 33305, 33306, 33307, 33308, 33309, 33310, 33311, 33312, 33313, 33314, 33315, 33316, 33317, 33318, 33319, 33320, 33321, 33322, 33323, 33324, 33325, 33326, 33327, 33328, 33329, 33330, 33331, 33332, 33334, 33335, 33336, 33337, 33338, 33339, 33340, 33345, 33346, 33348, 33349, 33351, 33355, 33359, 33388, 33394, 33427, 33428, 33431, 33432, 33433, 33434, 33441, 33442, 33443, 33486, 33497, 33498
ORLANDO, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,454 | $1,842 |
| E02 | $2,454 | $1,842 |
| E03 | $2,454 | $1,842 |
| E04 | $2,454 | $1,842 |
| E05 | $2,658 | $2,103 |
| E06 | $2,961 | $2,268 |
| E07 | $2,982 | $2,460 |
| E08 | $2,991 | $2,724 |
| E09 | $3,018 | $2,808 |
| W01 | $2,979 | $2,394 |
| W02 | $2,988 | $2,721 |
| W03 | $3,000 | $2,820 |
| W04 | $3,033 | $2,955 |
| W05 | $3,114 | $2,967 |
| O01E | $2,985 | $2,655 |
| O02E | $2,994 | $2,787 |
| O03E | $3,045 | $2,952 |
| O01 | $2,700 | $2,247 |
| O02 | $2,958 | $2,592 |
| O03 | $2,997 | $2,847 |
| O04 | $3,135 | $2,958 |
| O05 | $3,255 | $2,970 |
| O06 | $3,282 | $2,973 |
| O07 | $3,303 | $3,000 |
BAH ZIP Codes for ORLANDO, FL: 32701, 32703, 32704, 32707, 32708, 32709, 32710, 32712, 32714, 32715, 32716, 32718, 32719, 32730, 32732, 32733, 32745, 32746, 32747, 32750, 32751, 32752, 32762, 32765, 32766, 32768, 32771, 32772, 32773, 32777, 32779, 32789, 32790, 32791, 32792, 32793, 32794, 32795, 32798, 32799, 32801, 32802, 32803, 32804, 32805, 32806, 32807, 32808, 32809, 32810, 32811, 32812, 32814, 32816, 32817, 32818, 32819, 32820, 32821, 32822, 32824, 32825, 32826, 32827, 32828, 32829, 32830, 32831, 32832, 32833, 32834, 32835, 32836, 32837, 32839, 32853, 32854, 32855, 32856, 32857, 32858, 32859, 32860, 32861, 32862, 32867, 32868, 32869, 32872, 32877, 32878, 32885, 32886, 32887, 32891, 32896, 32897, 33848, 34734, 34739, 34740, 34741, 34742, 34743, 34744, 34745, 34746, 34747, 34758, 34760, 347
WEST PALM BEACH, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,189 | $2,409 |
| E02 | $3,189 | $2,409 |
| E03 | $3,189 | $2,409 |
| E04 | $3,189 | $2,409 |
| E05 | $3,423 | $2,763 |
| E06 | $3,606 | $2,976 |
| E07 | $3,738 | $3,198 |
| E08 | $3,885 | $3,465 |
| E09 | $4,110 | $3,510 |
| W01 | $3,624 | $3,117 |
| W02 | $3,798 | $3,462 |
| W03 | $3,981 | $3,519 |
| W04 | $4,155 | $3,630 |
| W05 | $4,371 | $3,771 |
| O01E | $3,765 | $3,420 |
| O02E | $3,954 | $3,498 |
| O03E | $4,191 | $3,594 |
| O01 | $3,453 | $2,952 |
| O02 | $3,603 | $3,348 |
| O03 | $3,975 | $3,534 |
| O04 | $4,443 | $3,741 |
| O05 | $4,782 | $3,822 |
| O06 | $4,824 | $3,960 |
| O07 | $4,860 | $4,029 |
BAH ZIP Codes for WEST PALM BEACH, FL: 33401, 33402, 33403, 33404, 33405, 33406, 33407, 33408, 33409, 33410, 33411, 33412, 33413, 33414, 33415, 33416, 33417, 33418, 33419, 33420, 33421, 33422, 33424, 33425, 33426, 33429, 33430, 33435, 33436, 33437, 33438, 33444, 33445, 33446, 33448, 33449, 33454, 33458, 33459, 33460, 33461, 33462, 33463, 33464, 33465, 33466, 33467, 33468, 33469, 33470, 33472, 33473, 33474, 33476, 33477, 33478, 33480, 33481, 33482, 33483, 33484, 33487, 33488, 33493, 33496, 33499
OCALA, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,205 | $1,785 |
| E02 | $2,205 | $1,785 |
| E03 | $2,205 | $1,785 |
| E04 | $2,205 | $1,785 |
| E05 | $2,370 | $1,944 |
| E06 | $2,391 | $2,055 |
| E07 | $2,409 | $2,211 |
| E08 | $2,424 | $2,382 |
| E09 | $2,517 | $2,388 |
| W01 | $2,406 | $2,160 |
| W02 | $2,415 | $2,379 |
| W03 | $2,442 | $2,391 |
| W04 | $2,544 | $2,400 |
| W05 | $2,676 | $2,406 |
| O01E | $2,412 | $2,367 |
| O02E | $2,433 | $2,385 |
| O03E | $2,565 | $2,397 |
| O01 | $2,382 | $2,037 |
| O02 | $2,388 | $2,319 |
| O03 | $2,439 | $2,394 |
| O04 | $2,718 | $2,403 |
| O05 | $2,922 | $2,409 |
| O06 | $2,943 | $2,418 |
| O07 | $2,961 | $2,457 |
BAH ZIP Codes for OCALA, FL: 32102, 32111, 32113, 32133, 32134, 32158, 32159, 32162, 32163, 32179, 32182, 32183, 32192, 32195, 32617, 32621, 32625, 32626, 32634, 32639, 32644, 32663, 32664, 32668, 32681, 32683, 32686, 32696, 32702, 32726, 32727, 32735, 32736, 32756, 32757, 32767, 32776, 32778, 32784, 33513, 33514, 33521, 33538, 33585, 33597, 34420, 34421, 34423, 34428, 34429, 34430, 34431, 34432, 34433, 34434, 34436, 34441, 34442, 34445, 34446, 34447, 34448, 34449, 34450, 34451, 34452, 34453, 34460, 34461, 34464, 34465, 34470, 34471, 34472, 34473, 34474, 34475, 34476, 34477, 34478, 34479, 34480, 34481, 34482, 34483, 34484, 34487, 34488, 34489, 34491, 34492, 34498, 34705, 34711, 34712, 34713, 34714, 34715, 34729, 34731, 34736, 34737, 34748, 34749, 34753, 34755, 34756, 34762, 34785, 34788, 34789, 34797
FLORIDA KEYS, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,813 | $3,084 |
| E02 | $3,813 | $3,084 |
| E03 | $3,813 | $3,084 |
| E04 | $3,813 | $3,084 |
| E05 | $3,969 | $3,459 |
| E06 | $4,056 | $3,672 |
| E07 | $4,350 | $3,819 |
| E08 | $4,677 | $3,993 |
| E09 | $5,097 | $4,005 |
| W01 | $4,074 | $3,771 |
| W02 | $4,485 | $3,990 |
| W03 | $4,884 | $4,011 |
| W04 | $5,178 | $4,119 |
| W05 | $5,529 | $4,425 |
| O01E | $4,413 | $3,966 |
| O02E | $4,827 | $4,002 |
| O03E | $5,232 | $4,044 |
| O01 | $3,987 | $3,657 |
| O02 | $4,053 | $3,921 |
| O03 | $4,872 | $4,017 |
| O04 | $5,655 | $4,374 |
| O05 | $6,213 | $4,659 |
| O06 | $6,267 | $4,863 |
| O07 | $6,321 | $4,953 |
BAH ZIP Codes for FLORIDA KEYS, FL: 33001, 33036, 33037, 33040, 33041, 33042, 33043, 33045, 33050, 33051, 33052, 33070
VOLUSIA COUNTY, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,112 | $1,647 |
| E02 | $2,112 | $1,647 |
| E03 | $2,112 | $1,647 |
| E04 | $2,112 | $1,647 |
| E05 | $2,286 | $1,833 |
| E06 | $2,496 | $1,956 |
| E07 | $2,544 | $2,118 |
| E08 | $2,598 | $2,334 |
| E09 | $2,688 | $2,385 |
| W01 | $2,511 | $2,064 |
| W02 | $2,565 | $2,331 |
| W03 | $2,637 | $2,394 |
| W04 | $2,706 | $2,499 |
| W05 | $2,802 | $2,553 |
| O01E | $2,550 | $2,283 |
| O02E | $2,622 | $2,373 |
| O03E | $2,721 | $2,484 |
| O01 | $2,319 | $1,938 |
| O02 | $2,493 | $2,232 |
| O03 | $2,634 | $2,415 |
| O04 | $2,826 | $2,538 |
| O05 | $2,970 | $2,565 |
| O06 | $2,991 | $2,613 |
| O07 | $3,012 | $2,655 |
BAH ZIP Codes for VOLUSIA COUNTY, FL: 32105, 32110, 32114, 32115, 32116, 32117, 32118, 32119, 32120, 32121, 32122, 32123, 32124, 32125, 32126, 32127, 32128, 32129, 32130, 32132, 32135, 32136, 32137, 32141, 32142, 32143, 32164, 32168, 32169, 32170, 32173, 32174, 32175, 32176, 32180, 32190, 32198, 32706, 32713, 32720, 32721, 32722, 32723, 32724, 32725, 32728, 32738, 32739, 32744, 32753, 32759, 32763, 32764, 32774
FORT PIERCE, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,499 | $2,004 |
| E02 | $2,499 | $2,004 |
| E03 | $2,499 | $2,004 |
| E04 | $2,499 | $2,004 |
| E05 | $2,691 | $2,193 |
| E06 | $2,829 | $2,322 |
| E07 | $2,916 | $2,505 |
| E08 | $3,015 | $2,724 |
| E09 | $3,171 | $2,754 |
| W01 | $2,844 | $2,442 |
| W02 | $2,958 | $2,721 |
| W03 | $3,081 | $2,760 |
| W04 | $3,204 | $2,841 |
| W05 | $3,360 | $2,940 |
| O01E | $2,934 | $2,688 |
| O02E | $3,060 | $2,748 |
| O03E | $3,228 | $2,817 |
| O01 | $2,715 | $2,301 |
| O02 | $2,826 | $2,628 |
| O03 | $3,078 | $2,772 |
| O04 | $3,408 | $2,916 |
| O05 | $3,648 | $2,970 |
| O06 | $3,675 | $3,060 |
| O07 | $3,702 | $3,111 |
BAH ZIP Codes for FORT PIERCE, FL: 32948, 32957, 32958, 32960, 32961, 32962, 32963, 32964, 32965, 32966, 32967, 32968, 32969, 32970, 32971, 32978, 34945, 34946, 34947, 34948, 34949, 34950, 34951, 34952, 34953, 34954, 34979, 34981, 34982, 34983, 34984, 34985, 34986, 34987, 34988
FORT MYERS BEACH, FL BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,553 | $2,094 |
| E02 | $2,553 | $2,094 |
| E03 | $2,553 | $2,094 |
| E04 | $2,553 | $2,094 |
| E05 | $2,694 | $2,295 |
| E06 | $2,919 | $2,421 |
| E07 | $2,994 | $2,556 |
| E08 | $3,078 | $2,745 |
| E09 | $3,192 | $2,802 |
| W01 | $2,937 | $2,514 |
| W02 | $3,027 | $2,742 |
| W03 | $3,132 | $2,814 |
| W04 | $3,213 | $2,931 |
| W05 | $3,315 | $3,012 |
| O01E | $3,006 | $2,691 |
| O02E | $3,114 | $2,790 |
| O03E | $3,228 | $2,910 |
| O01 | $2,730 | $2,406 |
| O02 | $2,916 | $2,652 |
| O03 | $3,129 | $2,835 |
| O04 | $3,345 | $2,991 |
| O05 | $3,504 | $3,036 |
| O06 | $3,531 | $3,111 |
| O07 | $3,555 | $3,165 |
BAH ZIP Codes for FORT MYERS BEACH, FL: 33901, 33902, 33903, 33904, 33905, 33906, 33907, 33908, 33909, 33910, 33911, 33912, 33913, 33914, 33915, 33916, 33917, 33918, 33919, 33920, 33921, 33922, 33924, 33928, 33929, 33931, 33932, 33936, 33945, 33956, 33957, 33965, 33966, 33967, 33970, 33971, 33972, 33973, 33974, 33976, 33990, 33991, 33993, 33994, 34133, 34134, 34135, 34136
2026 BAH FAQs for Florida
How much did Florida BAH rates increase in 2026?
Florida BAH rates increased by about 5.4% in 2026, especially in metro areas like Tampa and Jacksonville.
Where is BAH highest in Florida?
The highest BAH rates are typically in ZIP codes around Miami, Tampa (MacDill AFB), and Key West.
What is BAH for an E-5 with dependents at NAS Pensacola?
As of 2026, an E-5 with dependents stationed at NAS Pensacola receives approximately $2,088/month.
Does BAH cover rent in Florida?
In most areas, yes. BAH fully covers housing costs near bases like Eglin and Pensacola. Urban ZIPs may require some out-of-pocket.
Do all Florida bases have the same BAH?
No. Each installation is in a different MHA, so BAH varies based on ZIP code and housing demand.
Is BAH taxable in Florida?
No. BAH is a non-taxable military housing benefit.
Can single service members receive BAH?
Yes, if authorized to live off base or if government quarters are not provided.
Can I use BAH as income for a VA loan?
Yes. Lenders accept BAH as qualifying income for home loan approval.
When are BAH rates updated?
Rates are revised annually by the DoD and take effect each January.
What MHA is used for MacDill AFB?
MacDill AFB is part of MHA FL029, covering the greater Tampa area including ZIP code 33621.
