Official data current

Chattanooga BAH rates

Verified · Effective 2026-01-01 · MHA TN266

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O-4 · With dependents
$2,916per month

$34,992 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #155 of 338O-4 · with dependents reference
Taxable-pay equivalent$3,738/mo Using the stated 22% comparison rate
Year-over-year change+$36/mo · +1.3%2025 $2,880 → 2026 $2,916
O-4 rate selectedMHA TN266 ZIPs 30726 30736 30742 37302 37304 37308 +30
PCS compare Chattanooga · O-4 · with dep. · $2,916/mo
Chattanooga $2,916/mo · $34,992/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.

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

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Rate history

How updates work
2025$2,880
2026$2,916

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Chattanooga — full sheet Tap a row

What this rate means

O-4 with dependents, nearest stations0 – $7,470 / month
Westchester County $7,470
Yakima $3,015
Fort Collins $3,012
Elizabeth City $3,009
Salem $3,009
Barstow $2,976
Omaha $2,967
Salt Lake City $2,946
Coos Bay $2,943
Durham $2,931
State College $2,928
Chattanooga $2,916
County Cost Group 810 $2,916
Panama City $2,913
Bloomington $2,910
Charleston $2,904
Fort Stewart $2,904
Cleveland $2,889
Tallahassee $2,883
Cincinnati $2,868
Atlanta $2,859
Carlisle Barracks $2,853
Youngstown $1,809

Chattanooga is #155 of 338. The spread between the dearest and cheapest station at this grade is $5,661 a month — $67,932 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 Westchester County at O-4 is worth $4,554 a month — about 16 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…