Official data current

Chattanooga BAH rates

Verified · Effective 2026-01-01 · MHA TN266

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W-3 · With dependents
$2,523per month

$30,276 per year · federal tax-free allowance

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

National position #172 of 338W-3 · with dependents reference
Taxable-pay equivalent$3,235/mo Using the stated 22% comparison rate
Year-over-year change+$57/mo · +2.3%2025 $2,466 → 2026 $2,523
W-3 rate selectedMHA TN266 ZIPs 30726 30736 30742 37302 37304 37308 +30
PCS compare Chattanooga · W-3 · with dep. · $2,523/mo
Chattanooga $2,523/mo · $30,276/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$2,466
2026$2,523

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-3 with dependents, nearest stations0 – $6,654 / month
Westchester County $6,654
Columbus $2,583
State College $2,583
Birmingham $2,568
Carlisle Barracks $2,562
Grand Haven $2,556
New Orleans $2,556
Dahlonega $2,553
Provo $2,532
Myrtle Beach $2,526
Bangor $2,523
Chattanooga $2,523
Durham $2,520
Battle Creek $2,517
Fargo $2,514
County Cost Group 800 $2,511
Jackson $2,505
Fort Campbell $2,499
Phoenix $2,493
Eastern Panhandle $2,481
Corpus Christi $2,478
Fort Drum $2,478
Anniston $1,689

Chattanooga is #172 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 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 W-3 is worth $4,131 a month — about 28 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…