Navy · Pensacola, FL

NAS Pensacola: BAH and housing

NAS Pensacola is a naval air station in Pensacola, Florida. E-5 BAH with dependents is $1,863 a month (73rd-highest of 119 among the bases we track), $357 less than the $2,220 HUD fair-market rent for a 3-bedroom in ZIP 32507. In Pensacola, the median home value is $314,400 and the median rent is $1,322, a mid-range market among the bases we cover (42nd-highest of 114). Florida does not tax wage income, which can matter for a working spouse; see all bases in no-income-tax states.

Data: DTMO 2026 BAH for MHA FL064, HUD rents for ZIP 32507, Census ACS for Pensacola city, NOAA normals at Pensacola Forest Sherman NAS, FL. Jump to sources · Methodology

What is my BAH (Basic Allowance for Housing) at NAS Pensacola?

This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.

Pay grade

Dependents

$1,644/mo

Monthly BAH at E-5 pay grade without dependents.

NAS Pensacola: $1,644

Typical 2-bedroom rent nearby: $1,670/mo
BAH vs that rent: $26/mo short

Key facts for living at NAS Pensacola

Key facts for living at NAS Pensacola
Host state	Florida
State income tax	None on wages (bases in no-income-tax states)
Top state income-tax rate	0.0%
Average sales tax (state + local)	6.98%
Average property tax (real estate)	0.78%
Personal property tax (vehicles)	No
Median home value	$378,667
Military housing area	FL064 — PENSACOLA, FL
Climate (annual high / low)	76° / 58°F
Annual precipitation	57.6 in
Official site	NAS Pensacola

More about living in Florida

Compare these bases

I am leaving

I am going to

Only destinations that share a service with the origin are listed.

PCS checklist for NAS Pensacola

Update DEERS and your page-2 / dependency status before BAH starts at the new MHA (FL064).
Look up your exact BAH for rank and dependents on the DTMO BAH lookup (ZIP 32508).
Off-base 2-bedroom HUD FMR in Escambia County is $1,471/mo. On-base housing is separate.
Get an FL driver license within 30 days and title the car within 30 days. See Florida.
Confirm reporting instructions on the official NAS Pensacola site.

How NAS Pensacola compares

E-5 with-dependents BAH is higher at Naval Base San Diego ($3,975 vs $1,863).

Use the picker above for any other compatible installation. Published PCS pages that include NAS Pensacola are listed here.

Sources

Housing figures below are for the installation (MHA, HUD rent, climate). Host-state tax rates are statewide averages — not a tax return. County add-ons can differ, and wage tax on military pay follows legal residence, not the duty station.

BAH (with and without dependents). DTMO CY2026 BAH tables for NAS Pensacola (FL064). Confirm current rates on the DTMO BAH lookup.
2-bedroom Fair Market Rent. HUD FY2026 FMR — Escambia County $1,471.
Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 32507 (Pensacola) $1,670 / $2,220.
Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Pensacola city, Florida ($314,400, $1,322/mo). Owner-reported values, not transaction prices.
Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Pensacola Forest Sherman NAS, FL (USW00003855).
Host-state wage tax. Statewide listed rates for Florida from the Tax Foundation 2026 individual income-tax tables. On this page they describe the host state, not automatically the tax on a military LES (legal residence can stay put). BAH is untaxed.
Combined sales tax near the installation. Tax Foundation January 2026 state-and-local sales-tax averages for Florida. Used as an off-base shopping stand-in; city and county add-ons vary.
Effective property tax if you buy off-base. Tax Foundation 2026 property taxes by state for Florida. On-base housing is not in this figure.
Vehicle title tax and new-resident clocks. Florida motor-vehicle agency (license 30 days, title 30 days; title tax 6.00%). These are host-state motor-vehicle rules, not BAH.
Vehicle personal-property tax on the host-state snapshot. WalletHub 2026 vehicle property-tax table for Florida. This is a statewide car-tax flag, not real-estate tax and not BAH.
Statewide median home value on the host-state snapshot. Experian / Zillow March 2026 state medians for Florida. Backdrop for off-base purchase prices; on-base housing and BAH are separate.

Data last updated: September 2026. How the data is compiled