Compare military bases / Joint Base Pearl Harbor-Hickam → NAS Pensacola
JBPHH → NASP
Compare Joint Base Pearl Harbor-Hickam and NAS Pensacola
Will my BAH (Basic Allowance for Housing) go up or down if I move from Joint Base Pearl Harbor-Hickam to NAS Pensacola?
This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.
Monthly BAH at E-5 pay grade without dependents.
- Joint Base Pearl Harbor-Hickam
- $2,856
- NAS Pensacola
- $1,644
- Lower BAH at NAS Pensacola
BAH vs typical 2-bedroom rent nearby.
- Joint Base Pearl Harbor-Hickam
- $554/mo short
- NAS Pensacola
- $26/mo short
Housing just outside the gate: Urban Honolulu vs Pensacola
Rents shown on table are the 40th-percentile for 2 and 3 bedroom figures for the residential ZIP code nearest the base.
| Joint Base Pearl Harbor-Hickam Urban Honolulu 96818 | NAS Pensacola Pensacola 32507 | |
|---|---|---|
| Median home value (city) | $843,400 | $314,400 |
| Median gross rent (city) | $1,823/mo | $1,322 |
| HUD ZIP 2-BR rent | $3,410/mo | $1,670 |
| HUD ZIP 3-BR rent | $4,740/mo | $2,220 |
| HUD metro 2-BR rent (wider area) | $2,642/mo | $1,471 |
| E-5 without dependents minus 2-BR | −$554/mo | −$26/mo |
| E-5 with dependents minus 3-BR | −$1,077/mo | −$357/mo |
E-5 without dependents vs a HUD 2-bedroom is −$554/mo at Joint Base Pearl Harbor-Hickam vs −$26/mo at NAS Pensacola. E-5 with dependents vs a 3-bedroom is −$1,077/mo vs −$357/mo.
Host-state comparison: Hawaii vs. Florida
| Hawaii | Florida | |
|---|---|---|
| Sales tax | 4.50% | 6.98% |
| Property tax | 0.29% | 0.78% |
| Personal property tax | No | No |
| Top state income tax | 11.0% | 0.0% |
| Median home value | $834,025 | $378,667 |
| Branch | Joint | Navy |
| HUD 2-BR FMR | $2,642 | $1,471 |
| Climate high/low | 85° / 72°F | 84° / 71°F |
| Annual precip | 16.4 in | 67.4 in |
| Nearby city | Honolulu | Pensacola |
| Host state | Hawaii | Florida |
PCS checklist for NAS Pensacola
- Update DEERS. BAH at NAS Pensacola uses MHA FL064 (ZIP 32508).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near NAS Pensacola is $1,471/mo. On-base housing is separate.
- New Florida residents typically have 30 days for a license and 30 days to title a car.
- Reporting: NAS Pensacola.
Biggest differences
- E-5 with-dependents BAH is lower at NAS Pensacola ($1,863 vs $3,663).
- Median owner-occupied home value in the off-base city is $314,400 in Pensacola vs $843,400 in Urban Honolulu (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $1,670 in 32507 vs $3,410 in 96818.
- Joint Base Pearl Harbor-Hickam is labeled Joint; NAS Pensacola is Navy. The pair is valid because of shared tenants.
- Host-state wage tax is Top listed rate 11.0% in Hawaii vs No personal income tax in Florida (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 6.98% in Florida vs 4.5% in Hawaii.
Common questions
Does BAH go down from Joint Base Pearl Harbor-Hickam to NAS Pensacola?
DTMO CY2026 with- and without-dependents rates for every pay grade are in the BAH table on this page. E-5 with dependents: $3,663 vs $1,863; without dependents: $2,856 vs $1,644.
What is local rent like near NAS Pensacola?
HUD FY2026 Small Area FMR for ZIP 32507 (Pensacola) is $1,670/mo for a 2-bedroom and $2,220/mo for a 3-bedroom. The wider metro 2-BR FMR is $1,471/mo.
Will BAH cover off-base rent if I PCS from Joint Base Pearl Harbor-Hickam to NAS Pensacola?
E-5 without dependents minus a HUD 2-bedroom is −$554/mo at Joint Base Pearl Harbor-Hickam vs −$26/mo at NAS Pensacola. E-5 with dependents minus a 3-bedroom is −$1,077/mo vs −$357/mo. Use the calculator for other pay grades. Actual listings vary; BAH is untaxed housing pay, not a rent cap.
Does my state income tax change if I PCS from Joint Base Pearl Harbor-Hickam to NAS Pensacola?
Usually not just because the duty station changes. Military pay generally follows legal residence under the Servicemembers Civil Relief Act; spouses may have similar protection. Hawaii: Top listed rate 11.0%. Florida: No personal income tax. BAH is not taxed. Sales tax and titling a car follow the state you live in.
How does sales tax near NAS Pensacola compare with Joint Base Pearl Harbor-Hickam?
Combined sales tax averages 6.98% in Florida vs 4.5% in Hawaii. This follows where you live, not legal residence for military pay.
Can I PCS from Joint Base Pearl Harbor-Hickam to NAS Pensacola?
This pair is listed because the installations share a tenant service (Navy). Your actual orders depend on your MOS/AFSC/rating and the gaining unit.
What do homes cost in Urban Honolulu vs Pensacola?
Census ACS 5-year (2020–2024) median value of owner-occupied homes is $843,400 in Urban Honolulu CDP, Hawaii vs $314,400 in Pensacola city, Florida. Median gross rent in those cities is $1,823 vs $1,322. These are city medians (owners’ reported values), not last month’s sale prices.
Related PCS
NAS Pensacola → Joint Base Pearl Harbor-Hickam · Naval Station Norfolk → Joint Base Pearl Harbor-Hickam
Your PCS
Only destinations that share a service with the origin are listed.
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 Joint Base Pearl Harbor-Hickam (HI408); NAS Pensacola (FL064). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Honolulu County $2,642; 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: 96818 (Urban Honolulu) $3,410 / $4,740; 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 Urban Honolulu CDP, Hawaii ($843,400, $1,823/mo) and Pensacola city, Florida ($314,400, $1,322/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Honolulu Intl (NWS) (USW00022521); Pensacola Intl (NWS) (USW00012839).
- Host-state wage tax. Statewide listed rates for Hawaii and 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 Hawaii and 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 Hawaii and Florida. On-base housing is not in this figure.
- Vehicle title tax and new-resident clocks. Hawaii motor-vehicle agency (license 30 days, title 30 days; title tax 4.00%); 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 Hawaii and 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 Hawaii and Florida. Backdrop for off-base purchase prices; on-base housing and BAH are separate.