BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA

Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.

Or type your rank

Press Enter to look it up.

Enlisted
E-1E-2E-3E-4E-5E-6E-7E-8E-9
Warrant
W-1W-2W-3W-4W-5
Prior enl.
O-1EO-2EO-3E
Officer
O-1O-2O-3O-4O-5O-6O-7
Dependents
With $1,986 Without $1,629

E-5 at Chattanooga draws $1,986 per month with dependents in 2026, $1,629 without

Permalink bahratedesk.com/chattanooga-tn/ Excel CSV
Chattanooga, TN
E-5 · with dependents
$1,986/ month
$23,832 / year
At E-5, this is #181 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA TN266 · ZIPs 30726 30736 30742 37302 37304 37308 +30 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,546 / mo gross
Without dependents here $1,629 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Chattanooga · E-5 · $1,986/mo
Chattanooga $1,986/mo · $23,832/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Chattanooga — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,863 $1,446
E-2 $1,863 $1,446
E-3 $1,863 $1,446
E-4 $1,863 $1,446
E-5 $1,986 $1,629
E-6 $2,397 $1,797
E-7 $2,445 $1,863
E-8 $2,490 $2,073
E-9 $2,631 $2,193
Warrant officer
W-1 $2,418 $1,830
W-2 $2,463 $2,070
W-3 $2,523 $2,208
W-4 $2,670 $2,403
W-5 $2,856 $2,454
Officer — prior enlisted
O-1E $2,448 $1,983
O-2E $2,511 $2,166
O-3E $2,700 $2,391
Officer
O-1 $2,043 $1,734
O-2 $2,394 $1,950
O-3 $2,520 $2,247
O-4 $2,916 $2,436
O-5 $3,201 $2,460
O-6 $3,228 $2,499
O-7 $3,249 $2,541

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Provo $2,058
Astoria $2,055
Syracuse $2,049
Gainesville $2,040
Wilmington $2,040
Toledo $2,031
Salem $2,004
Barstow $2,001
Cleveland $1,998
Louisville $1,989
Chattanooga $1,986
El Centro $1,986
Kansas City $1,986
Rapid City $1,986
Twenty Nine Palms MCB $1,980
County Cost Group 800 $1,962
Battle Creek $1,959
Fort Wayne $1,947
Boise $1,926
Greenville $1,923
Yakima $1,923
Anniston $1,185

Chattanooga is #181 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Chattanooga0 – $3,249 / month
E-1 $1,863
E-2 $1,863
E-3 $1,863
E-4 $1,863
E-5 $1,986
E-6 $2,397
E-7 $2,445
E-8 $2,490
E-9 $2,631
W-1 $2,418
W-2 $2,463
W-3 $2,523
W-4 $2,670
W-5 $2,856
O-1E $2,448
O-2E $2,511
O-3E $2,700
O-1 $2,043
O-2 $2,394
O-3 $2,520
O-4 $2,916
O-5 $3,201
O-6 $3,228
O-7 $3,249

The pay chart moves this allowance far less than the map does.

Moving from Chattanooga to San Francisco at E-5 is worth $3,141 a month — about 8 promotions at this grade. Where you are stationed outweighs rank, by a lot.

Things the rate table doesn't tell you

01

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

02

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

03

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.