Rates and VA Loan Buying Power
2026 Florida BAH Rates and VA Loan Buying Power
DoD BAH rate lookup
DFAS pay and entitlements
The VA home loan overview
The CFPB Loan Estimate guide
Florida BAH rates can directly affect VA loan buying power because BAH is tax free and many lenders count it when it is verified on your LES. The better move is to turn your Florida BAH into a realistic PITI target, check eligibility early, and use the tables after you know what payment range actually fits your file.
Florida BAH Snapshot
- Example markets: Miami and Fort Lauderdale sits near the top of the state at $3,969 for an E5 with dependents in your reference set, while Pensacola is far lower at $1,863.
- What that means: Florida is not one market. Your monthly housing number can swing hard by location, pay grade, and dependency status.
- Reality check: Use the chart as a planning tool, then confirm the exact MHA and pay grade before you build a home payment target.
- Best next move: Treat BAH as the starting point, not the whole budget, because taxes, insurance, HOA dues, and reserves still matter.
How BAH Counts For VA Loans
- Qualifying income: Many lenders add BAH to base pay when they calculate DTI and overall affordability for a VA loan.
- Tax free treatment: Because BAH is non taxable, some lenders gross it up, which can improve ratios and increase buying power on the same base pay.
- Residual income still matters: VA approvals are not just about DTI. Underwriters also look at what is left after major obligations are paid.
- Ask directly: Make the lender explain how BAH was counted, whether it was grossed up, and what payment range they actually used.
PCS and Rate Protection
- Gaining station logic: With valid PCS orders, lenders can often qualify you using the BAH tied to the new Florida duty station before you arrive.
- Rate protection matters: If published BAH later drops, many service members keep the higher protected amount while they stay at the same station and keep the same status.
- Avoid overbuying: A high Florida market does not automatically make the payment safe. You still need room for the rest of the budget.
- Smart timing: Send orders early so underwriting does not use the wrong location or the wrong assumption set.
LES and Documents
- LES proof: Expect the lender to review two to three recent LES statements to verify BAH, base pay, and current entitlements.
- PCS support: If you are buying ahead of a move, orders help prove the gaining station and the timing tied to the new BAH rate.
- Continuity matters: Underwriters want a stable income story, not just a chart amount pulled from a table.
- Keep it ready: Save clean PDF copies of LES, orders, and any supporting pay documents before you request quotes.
Frequently Asked Questions
Can BAH be used as qualifying income for a VA loan in Florida?
Yes. Active duty borrowers can usually use BAH as qualifying income when it is documented on the LES. Because it is tax free, some lenders also gross it up, which can improve ratios and buying power.
Can I qualify using BAH for a new Florida duty station before I PCS?
Why does a lender payment estimate not match the Florida BAH chart exactly?
How to Use Florida BAH Rates for a VA Loan
- Pick the right table: Choose the Florida city or base area that matches your duty station, then match your pay grade and dependency status.
- Turn BAH into a PITI target plus cushion: Start with BAH, then leave room for taxes, insurance, utilities, HOA dues, and normal life expenses.
- Verify lender treatment using LES and gross up: Ask whether the lender counted tax free BAH from your LES and whether that income was grossed up.
- Use the same assumptions when shopping lenders: Keep the same purchase price, credit band, occupancy plan, and fee structure so the quotes are actually useful.
Convert Your BAH to VA Buying Power
Enter your BAH and key financials. We’ll estimate a comfortable VA home price and the resulting monthly payment.
Explore More BAH Insights
-
2026 Basic Allowance for Housing (BAH) Rates by City
Official 2026 tables by city and MHA -
How BAH Affects VA Loan Buying Power
How allowance converts to qualifying income and price -
Military Housing Allowance (MHA) vs. BAH
Terminology and usage across DoD and lenders -
How Dual Military Couples Combine BAH for a VA Loan
Categories, documentation, and joint approvals -
Using BAH After Active Duty for a VA Loan
Eligibility paths, timing, documentation after separation -
Top 10 Military Cities with the Highest BAH
Markets with strong allowances and typical housing costs -
BAH Reserve and Transient Rates for 2026
Reserve component and partial month quick reference -
BAH vs PITI Mortgage Coverage
Define coverage and calculate safe payment buffers -
BAH VA Loan Buy or Rent PCS
Choose ownership or leasing around PCS timelines -
BAH Gross Up VA Loan Buying Power
How lenders adjust non taxable income and DTI impact
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.
