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-5 without dependents at Chattanooga draws $2,460 per month in 2026

    Permalinkbahratedesk.com/chattanooga-tn/o-5/without/ExcelCSVDownloads cover this station.
    Chattanooga, TN
    O-5 · without dependents
    $2,460/ month
    $29,520 / year
    At O-5, this is #167 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA TN266 · ZIPs 30726 30736 30742 37302 37304 37308 +30 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,154 / mo gross
    Other dependency status here$3,201 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-5 · $2,460/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$474+$5,688/yr · like +$7,292 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Omaha$2,502
    Carlisle Barracks$2,475
    New Orleans$2,472
    Phoenix$2,463
    Chattanooga$2,460
    El Centro$2,460
    State College$2,454
    Durham$2,451
    Battle Creek$2,445
    Youngstown$1,593

    Chattanooga is #167 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 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

    Promoting to O-6 here adds $39 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 Westchester County at O-5 is worth $3,702 a month — about 95 promotions worth of housing allowance, at $39 per grade here.

    02

    Dependency status is worth 30% 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. $2,460 a month of BAH takes more than $2,460 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.