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
    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
    WithWithout

    O-1 with dependents at Chattanooga draws $2,043 per month in 2026

    Permalinkbahratedesk.com/chattanooga-tn/o-1/with/ExcelCSVDownloads cover this station.
    Chattanooga, TN
    O-1 · with dependents
    $2,043/ month
    $24,516 / year
    At O-1, this is #181 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA TN266 · ZIPs 30726 30736 30742 37302 37304 37308 +30 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,619 / mo gross
    Other dependency status here$1,734 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Chattanooga — full sheetTap 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
    PCS compareChattanooga · O-1 · $2,043/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▲ RAISE+$474+$5,688/yr · like +$7,292 of salary

    What this rate means

    O-1 with dependents, every station0 – $5,172 / month
    San Francisco$5,172
    New York City$5,073
    Boston$4,803
    Northern New Jersey$4,791
    Santa Clara County$4,704
    Westchester County$4,587
    Long Island$4,473
    Nantucket$4,440
    Maui County$4,386
    Hanscom AFB$4,230
    Martha's Vineyard$4,062
    San Diego$4,032
    Camp Pendleton$4,023
    Florida Keys$3,987
    Cape Cod-Plymouth$3,942
    Los Angeles$3,927
    Kauai County$3,861
    Oakland$3,807
    Staten Island$3,798
    Honolulu County$3,702
    Miami$3,687
    Hawaii County$3,630
    Fort Monmouth$3,618
    Ventura$3,600
    West Point$3,549
    Trenton$3,531
    Monterey$3,519
    Essex CO$3,516
    Chicago$3,477
    Perth Amboy$3,477
    West Palm Beach$3,453
    Vallejo$3,393
    Riverside$3,384
    Vandenberg SFB$3,378
    Portsmouth$3,372
    Marin$3,369
    Juneau$3,366
    San Bernardino$3,306
    Portland$3,297
    San Luis Obispo$3,291
    Indian Head Navordsta$3,273
    Providence$3,234
    Seattle$3,231
    Manchester$3,225
    Sitka$3,222
    Washington$3,213
    County Cost Group 890$3,207
    Burlington$3,201
    New Haven$3,150
    Fitchburg$3,147
    Warrenton$3,111
    Santa Fe$3,024
    Willow Grove$2,997
    Beale AFB$2,994
    Quantico$2,991
    Worcester$2,982
    Annapolis$2,970
    Hartford$2,961
    Fort G. G. Meade$2,952
    Newport$2,925
    Sacramento$2,922
    JB McGuire-Dix-Lakehurst$2,904
    County Cost Group 880$2,898
    JB Elmendorf-Richardson$2,886
    Ketchikan$2,880
    Kodiak Island$2,877
    Denver$2,874
    Boulder$2,829
    Everett$2,814
    Cape May$2,799
    Tampa$2,757
    Atlantic City$2,736
    Fort Detrick$2,733
    Philadelphia$2,733
    Fort Myers Beach$2,730
    Edwards AFB$2,724
    Fort Pierce$2,715
    County Cost Group 870$2,700
    Orlando$2,700
    Madison$2,691
    Ballston Spa$2,670
    Baltimore$2,652
    Outer Banks$2,652
    New London$2,646
    Ann Arbor$2,628
    Milwaukee$2,625
    Stockton$2,607
    JB Lewis-McChord$2,607
    Minneapolis$2,577
    Patrick SFB$2,553
    County Cost Group 860$2,535
    Elizabeth City$2,523
    Aberdeen Proving Grounds$2,517
    Dallas$2,517
    Oxford$2,496
    Port Angeles$2,493
    Fresno$2,490
    Great Lakes Navtracen$2,475
    St. Louis$2,472
    Beaufort$2,457
    Birmingham$2,457
    County Cost Group 850$2,454
    Norfolk$2,454
    Eglin AFB$2,451
    Hampden County$2,451
    Savannah$2,451
    Fairbanks$2,448
    Allentown$2,436
    Atlanta$2,433
    Corvallis$2,433
    Patuxent River$2,433
    Reno$2,433
    Portland$2,430
    Charleston$2,421
    Charlottesville$2,421
    Bremerton$2,415
    Richmond$2,400
    Detroit$2,397
    Ocala$2,382
    Fort Carson$2,376
    County Cost Group 840$2,367
    Dahlgren$2,367
    Fort Stewart$2,334
    Pittsburgh$2,328
    Cincinnati$2,322
    Nashville$2,322
    Phoenix$2,319
    Volusia County$2,319
    Austin$2,313
    Dover AFB$2,310
    Fort Collins$2,307
    Hampton$2,301
    County Cost Group 830$2,295
    Asheville$2,265
    Buffalo$2,262
    Coastal Maine$2,259
    Rochester$2,259
    Brunswick$2,253
    Dahlonega$2,250
    Knoxville$2,247
    Houston$2,241
    Albuquerque$2,235
    Spokane$2,235
    Eugene$2,229
    Grand Haven$2,223
    Charlotte$2,211
    County Cost Group 820$2,208
    Panama City$2,202
    Jacksonville$2,196
    Rome$2,190
    Grand Rapids$2,184
    Memphis$2,181
    Bridgeport$2,169
    Lemoore NAS$2,166
    Salt Lake City$2,166
    Fort Worth$2,163
    Durham$2,160
    Traverse City$2,160
    Whidbey Island$2,157
    Eastern Shore$2,151
    Astoria$2,145
    Kings Bay$2,145
    Ogden$2,139
    Myrtle Beach$2,136
    Omaha$2,127
    Raleigh$2,127
    Carlisle Barracks$2,121
    County Cost Group 810$2,109
    Duluth$2,106
    Wilmington$2,100
    Syracuse$2,097
    Nellis AFB$2,094
    Eastern Panhandle$2,091
    Gainesville$2,085
    Provo$2,085
    Barstow$2,058
    Salem$2,058
    Toledo$2,058
    Cleveland$2,055
    Twenty Nine Palms MCB$2,052
    Chattanooga$2,043
    Louisville$2,031
    Rapid City$2,022
    Kansas City$2,019
    Battle Creek$2,013
    El Centro$2,013
    County Cost Group 800$2,007
    Abilene$1,989
    Yakima$1,983
    Fort Wayne$1,977
    Boise$1,974
    Helena$1,968
    New Orleans$1,968
    Jackson$1,956
    Rock Island$1,956
    Greenville$1,950
    Roanoke$1,941
    County Cost Group 790$1,938
    Davis-Monthan AFB$1,938
    Fort Gordon$1,929
    Columbus$1,926
    Indianapolis$1,923
    Bangor$1,920
    Baton Rouge$1,920
    Bloomington$1,920
    Lexington$1,917
    Mobile$1,917
    Columbia$1,914
    Pensacola$1,914
    San Antonio (JBSA)$1,905
    Humboldt County$1,893
    Morehead$1,884
    Shreveport$1,875
    Little Rock$1,869
    County Cost Group 780$1,860
    Fort Leavenworth$1,860
    Tallahassee$1,860
    Fort Bliss$1,857
    Fort Campbell$1,857
    State College$1,854
    Greensboro$1,851
    Marquette$1,851
    Corpus Christi$1,845
    Fort Bragg$1,842
    Coos Bay$1,839
    Huntsville$1,839
    College Station$1,836
    Lansing$1,836
    Lincoln$1,833
    Des Moines$1,830
    Fayetteville$1,821
    Robins AFB$1,818
    Waco$1,803
    County Cost Group 770$1,797
    Fargo$1,785
    Fort Huachuca$1,782
    Grand Forks$1,770
    Wilkes-Barre$1,767
    Fort Benning$1,755
    White Sands MR$1,737
    Auburn$1,731
    Fort Hood$1,731
    County Cost Group 760$1,728
    Cheyenne$1,725
    Yuma$1,722
    Fort Knox$1,710
    Fort Drum$1,701
    Montgomery$1,701
    County Cost Group 750$1,683
    Morgantown$1,683
    Tulsa$1,683
    Wright-Patterson AFB$1,683
    Mountain Home AFB$1,680
    Oklahoma City$1,677
    Bismarck$1,674
    Topeka$1,662
    Whiteman AFB$1,656
    Malmstrom SFB$1,641
    Camp Lejeune$1,635
    St Mary And Terrebonne$1,635
    County Cost Group 740$1,632
    Holloman AFB$1,632
    Akron$1,629
    Fallon NAS$1,629
    Johnson City$1,623
    Lafayette$1,623
    Goodfellow AFB$1,617
    Sioux Falls$1,617
    Gulfport$1,614
    Peoria$1,614
    Minot AFB$1,605
    County Cost Group 730$1,602
    Fort Rucker$1,602
    Scott AFB$1,602
    Champaign$1,599
    China Lake$1,596
    Lexington$1,596
    Sault Ste Marie$1,590
    County Cost Group 720$1,578
    Moody AFB$1,578
    Seymour Johnson AFB$1,578
    Beaumont$1,572
    Springfield$1,572
    Wichita Fls$1,572
    Huntington$1,569
    Sumter$1,563
    County Cost Group 710$1,560
    Brownsville$1,551
    County Cost Group 700$1,542
    Saginaw$1,542
    Terre Haute$1,542
    County Cost Group 690$1,527
    Lubbock$1,524
    County Cost Group 680$1,515
    Fort Leonard Wood$1,515
    County Cost Group 670$1,506
    Laughlin AFB$1,506
    Erie$1,500
    County Cost Group 660$1,494
    County Cost Group 650$1,485
    Columbus AFB$1,476
    County Cost Group 640$1,476
    County Cost Group 630$1,470
    Frankfort$1,464
    County Cost Group 620$1,461
    County Cost Group 610$1,455
    Sparta$1,455
    Charleston$1,452
    Springfield$1,452
    County Cost Group 600$1,446
    County Cost Group 590$1,437
    Paducah$1,434
    County Cost Group 580$1,425
    Wichita$1,422
    Hattiesburg$1,419
    Columbia$1,413
    County Cost Group 570$1,413
    County Cost Group 560$1,404
    Albany$1,401
    Cannon AFB$1,401
    Lake Charles$1,398
    County Cost Group 550$1,395
    Stevens Point$1,389
    County Cost Group 540$1,386
    County Cost Group 530$1,380
    County Cost Group 520$1,377
    Fort Riley$1,377
    County Cost Group 510$1,371
    Alexandria$1,344
    Meridian$1,329
    Fort Chaffee$1,320
    Altus AFB$1,299
    Fort Polk$1,296
    Fort Sill$1,272
    Monroe$1,251
    Vance AFB$1,245
    Anniston$1,230
    Youngstown$1,218

    Chattanooga is #181 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 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

    Promoting to O-2 here adds $351 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Chattanooga to San Francisco at O-1 is worth $3,129 a month — about 9 promotions worth of housing allowance, at $351 per grade here.

    02

    Dependency status is worth 18% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $2,043 a month of BAH takes more than $2,043 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    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.