Official data current

Chattanooga BAH rates

Verified · Effective 2026-01-01 · MHA TN266

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W-1 · With dependents
$2,418per month

$29,016 per year · federal tax-free allowance

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

National position #160 of 338W-1 · with dependents reference
Taxable-pay equivalent$3,100/mo Using the stated 22% comparison rate
Year-over-year change−$27/mo · −1.1%2025 $2,445 → 2026 $2,418
W-1 rate selectedMHA TN266 ZIPs 30726 30736 30742 37302 37304 37308 +30
PCS compare Chattanooga · W-1 · with dep. · $2,418/mo
Chattanooga $2,418/mo · $29,016/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$2,445
2026$2,418

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

W-1 with dependents, nearest stations0 – $5,472 / month
San Francisco $5,472
Panama City $2,460
Fairbanks $2,457
Charlotte $2,454
Fort Stewart $2,454
Barstow $2,451
Fort Carson $2,448
Fort Worth $2,442
Cleveland $2,439
Hampton $2,436
Grand Rapids $2,421
Chattanooga $2,418
Salem $2,418
College Station $2,412
Durham $2,409
County Cost Group 810 $2,406
Ocala $2,406
Syracuse $2,406
Yakima $2,403
Carlisle Barracks $2,394
New Orleans $2,394
Omaha $2,394
Youngstown $1,350

Chattanooga is #160 of 338. The spread between the dearest and cheapest station at this grade is $4,122 a month — $49,464 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 W-1 is worth $3,054 a month — about 68 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…