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-3E without dependents at Chattanooga draws $2,391 per month in 2026

    Permalinkbahratedesk.com/chattanooga-tn/o-3e/without/ExcelCSVDownloads cover this station.
    Chattanooga, TN
    O-3E · without dependents
    $2,391/ month
    $28,692 / year
    At O-3E, this is #161 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA TN266 · ZIPs 30726 30736 30742 37302 37304 37308 +30 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,065 / mo gross
    Other dependency status here$2,700 with 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-3E · $2,391/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▲ RAISE+$342+$4,104/yr · like +$5,262 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    Cleveland$2,412
    Hampton$2,409
    Ocala$2,397
    Grand Rapids$2,394
    Chattanooga$2,391
    Salem$2,391
    College Station$2,385
    Durham$2,382
    County Cost Group 810$2,379
    Youngstown$1,347

    Chattanooga is #161 of 338. The spread between the dearest and cheapest station at this grade is $4,098 a month — $49,176 a year, untaxed.

    Every pay grade at Chattanooga0 – $2,541 / month
    E-1$1,446
    E-2$1,446
    E-3$1,446
    E-4$1,446
    E-5$1,629
    E-6$1,797
    E-7$1,863
    E-8$2,073
    E-9$2,193
    W-1$1,830
    W-2$2,070
    W-3$2,208
    W-4$2,403
    W-5$2,454
    O-1E$1,983
    O-2E$2,166
    O-3E$2,391
    O-1$1,734
    O-2$1,950
    O-3$2,247
    O-4$2,436
    O-5$2,460
    O-6$2,499
    O-7$2,541

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 13% 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. $2,391 a month of BAH takes more than $2,391 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.