Military BAHRATES

Navy · Florida · ZIP 33040

NAS Key West BAH rates 2026

NAS Key West

FL069 · 2026 BAH

$3,969/mo

E-5 · with dependents

$47,628 a year · +1.5% vs 2025

Without dependents: $3,459/mo

Dependency status

BAH at NAS Key West comes from DTMO's Florida Keys, FL military housing area (FL069). In 2026 an E-5 with dependents receives $3,969 a month, or $3,459 without dependents. Also searched as Key West.

$3,813
E-1 to E-4
with dependents (one shared rate)
$4,350
E-7
with dependents, $381 more than E-5
$4,872
O-3
with dependents
−0.2%
Avg change vs 2025
all 24 grades; E-5 pay ranks #5 of 127 bases

NAS Key West BAH by rank, with and without dependents, 2026

Monthly rates for every pay grade; your grade is highlighted. The rate depends on your duty station's ZIP code, so it applies wherever you choose to live.

DTMO’s official BAH calculator, Department of Defense (opens in a new tab) ↗
GradeWith dependentsWithout dependentsvs 2025
(with)
E-1Private (PV1) (Army), Airman Basic (AF)
$3,813
$3,084
+2.1%
E-2Private (PV2) (Army), Airman (AF)
$3,813
$3,084
+2.1%
E-3Private First Class (Army), Airman First Class (AF)
$3,813
$3,084
+2.1%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$3,813
$3,084
+2.1%
E-5Sergeant (Army), Staff Sergeant (AF)
$3,969
$3,459
+1.5%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$4,056
$3,672
−4.9%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$4,350
$3,819
−2.7%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$4,677
$3,993
−0.4%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$5,097
$4,005
+0.8%
W-1Warrant Officer 1 / Warrant Officer 1
$4,074
$3,771
−5.0%
W-2Chief Warrant Officer 2
$4,485
$3,990
−1.7%
W-3Chief Warrant Officer 3
$4,884
$4,011
+0.9%
W-4Chief Warrant Officer 4
$5,178
$4,119
+0.7%
W-5Chief Warrant Officer 5
$5,529
$4,425
+0.5%
O-1EO-1 with 4+ yrs prior enlisted service
$4,413
$3,966
−2.2%
O-2EO-2 with 4+ yrs prior enlisted service
$4,827
$4,002
+0.6%
O-3EO-3 with 4+ yrs prior enlisted service
$5,232
$4,044
+0.8%
O-1Second Lieutenant
$3,987
$3,657
+0.6%
O-2First Lieutenant
$4,053
$3,921
−4.9%
O-3Captain
$4,872
$4,017
+0.9%
O-4Major
$5,655
$4,374
+0.4%
O-5Lieutenant Colonel
$6,213
$4,659
+0.1%
O-6Colonel
$6,267
$4,863
0.0%
O-7+O-7 and above
$6,321
$4,953
0.0%

BAH since 2022

E-5 with dependents moved from $3,105 in 2022 to $3,969 in 2026 (+27.8%).

How Florida Keys, FL compares →

Monthly BAH in Florida Keys, FL, 2022–2026

US dollars a month, with dependents, two common pay grades

E-5O-3
$2,500$3,000$3,500$4,000$4,500$5,00020222023202420252026E-5 with dependents 2022: $3,105E-5 with dependents 2023: $3,489E-5 with dependents 2024: $3,834E-5 with dependents 2025: $3,912E-5 with dependents 2026: $3,969O-3 with dependents 2022: $3,963O-3 with dependents 2023: $4,122O-3 with dependents 2024: $4,767O-3 with dependents 2025: $4,830O-3 with dependents 2026: $4,872$4,872O-3 with dependents$3,969E-5 with dependents
$2,500$3,000$3,500$4,000$4,500$5,000202220242026E-5 with dependents 2022: $3,105E-5 with dependents 2023: $3,489E-5 with dependents 2024: $3,834E-5 with dependents 2025: $3,912E-5 with dependents 2026: $3,969O-3 with dependents 2022: $3,963O-3 with dependents 2023: $4,122O-3 with dependents 2024: $4,767O-3 with dependents 2025: $4,830O-3 with dependents 2026: $4,872$4,872$3,969
Source: DTMO annual BAH rate files; rates in effect 1 January each year.
View as table: every grade, 2022–2026

With dependents

Grade20222023202420252026Change
E-1$2,970$3,378$3,654$3,735$3,813+28.4%
E-2$2,970$3,378$3,654$3,735$3,813+28.4%
E-3$2,970$3,378$3,654$3,735$3,813+28.4%
E-4$2,970$3,378$3,654$3,735$3,813+28.4%
E-5$3,105$3,489$3,834$3,912$3,969+27.8%
E-6$3,576$3,810$4,161$4,266$4,056+13.4%
E-7$3,717$3,924$4,383$4,473$4,350+17.0%
E-8$3,873$4,047$4,623$4,695$4,677+20.8%
E-9$4,167$4,290$4,959$5,058$5,097+22.3%
W-1$3,594$3,828$4,185$4,287$4,074+13.4%
W-2$3,783$3,978$4,485$4,563$4,485+18.6%
W-3$3,969$4,128$4,776$4,839$4,884+23.1%
W-4$4,242$4,356$5,031$5,142$5,178+22.1%
W-5$4,563$4,623$5,337$5,502$5,529+21.2%
O-1E$3,750$3,945$4,428$4,512$4,413+17.7%
O-2E$3,942$4,104$4,731$4,800$4,827+22.5%
O-3E$4,287$4,392$5,076$5,193$5,232+22.0%
O-1$3,162$3,534$3,879$3,963$3,987+26.1%
O-2$3,573$3,807$4,158$4,263$4,053+13.4%
O-3$3,963$4,122$4,767$4,830$4,872+22.9%
O-4$4,680$4,719$5,448$5,634$5,655+20.8%
O-5$5,196$5,145$5,931$6,207$6,213+19.6%
O-6$5,241$5,193$5,982$6,264$6,267+19.6%
O-7+$5,286$5,235$6,036$6,321$6,321+19.6%

Without dependents

Grade20222023202420252026Change
E-1$2,364$2,748$2,877$2,997$3,084+30.5%
E-2$2,364$2,748$2,877$2,997$3,084+30.5%
E-3$2,364$2,748$2,877$2,997$3,084+30.5%
E-4$2,364$2,748$2,877$2,997$3,084+30.5%
E-5$2,673$3,081$3,264$3,360$3,459+29.4%
E-6$2,850$3,270$3,486$3,570$3,672+28.8%
E-7$2,973$3,378$3,657$3,741$3,819+28.5%
E-8$3,201$3,558$3,903$3,987$3,993+24.7%
E-9$3,342$3,645$3,996$4,086$4,005+19.8%
W-1$2,934$3,354$3,600$3,684$3,771+28.5%
W-2$3,198$3,555$3,900$3,984$3,990+24.8%
W-3$3,357$3,657$4,008$4,101$4,011+19.5%
W-4$3,609$3,834$4,215$4,311$4,119+14.1%
W-5$3,750$3,951$4,437$4,524$4,425+18.0%
O-1E$3,105$3,483$3,831$3,909$3,966+27.7%
O-2E$3,312$3,630$3,975$4,065$4,002+20.8%
O-3E$3,573$3,801$4,155$4,257$4,044+13.2%
O-1$2,835$3,261$3,468$3,552$3,657+29.0%
O-2$3,063$3,453$3,774$3,858$3,921+28.0%
O-3$3,405$3,693$4,041$4,137$4,017+18.0%
O-4$3,726$3,924$4,395$4,485$4,374+17.4%
O-5$3,897$3,999$4,536$4,656$4,659+19.6%
O-6$3,954$4,113$4,755$4,821$4,863+23.0%
O-7+$4,017$4,182$4,842$4,911$4,953+23.3%

Other installations in Florida

E-5 monthly BAH, 2026.

InstallationHousing areaWithWithout
NAS PensacolaPensacola, FL$1,863$1,644
NAS JacksonvilleJacksonville, FL$2,181$1,803
Naval Station MayportJacksonville, FL$2,181$1,803
Eglin AFBEglin AFB, FL$2,433$2,157
Hurlburt FieldEglin AFB, FL$2,433$2,157
Tyndall AFBPanama City, FL$2,163$1,863
MacDill AFBTampa, FL$2,709$2,187
Patrick SFBPatrick SFB, FL$2,502$2,037

Questions

What is E-5 BAH at NAS Key West in 2026?
$3,969 a month with dependents and $3,459 without, from the Florida Keys, FL rates (MHA FL069).
Which ZIP code is used for NAS Key West BAH?
This page uses ZIP 33040, which DTMO maps to FL069. If your unit's duty address has a different ZIP, enter it in the calculator: neighbouring ZIPs can fall in a different housing area.
Is BAH taxable?
No. BAH is a tax-free allowance; DTMO's BAH primer describes it as tax-free housing allowances paid to about one million service members.

Sources

  1. Defense Travel Management Office, BAH rates, all locations and all pay grades, 2026 (ASCII files), BAH Rate Lookup. Downloaded 2026-10-08.
  2. DTMO, 2025 and earlier rate files (same page), used for year-over-year change.