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

Press Enter to look it up.

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
With $1,989 Without $1,533

E-5 at Louisville draws $1,989 per month with dependents in 2026, $1,533 without

Permalink bahratedesk.com/louisville-ky/ Excel CSV
Louisville, KY
E-5 · with dependents
$1,989/ month
$23,868 / year
At E-5, this is #180 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA KY109 · ZIPs 40010 40014 40018 40023 40025 40026 +99 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,550 / mo gross
Without dependents here $1,533 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Louisville · E-5 · $1,989/mo
Louisville $1,989/mo · $23,868/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.

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

Louisville — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,809 $1,377
E-2 $1,809 $1,377
E-3 $1,809 $1,377
E-4 $1,809 $1,377
E-5 $1,989 $1,533
E-6 $2,274 $1,704
E-7 $2,316 $1,815
E-8 $2,364 $2,052
E-9 $2,487 $2,127
Warrant officer
W-1 $2,292 $1,758
W-2 $2,334 $2,049
W-3 $2,397 $2,139
W-4 $2,523 $2,277
W-5 $2,679 $2,325
Officer — prior enlisted
O-1E $2,322 $1,986
O-2E $2,385 $2,109
O-3E $2,547 $2,265
Officer
O-1 $2,031 $1,626
O-2 $2,271 $1,932
O-3 $2,394 $2,166
O-4 $2,730 $2,310
O-5 $2,973 $2,331
O-6 $2,997 $2,373
O-7 $3,015 $2,412

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Eastern Panhandle $2,058
Provo $2,058
Astoria $2,055
Syracuse $2,049
Gainesville $2,040
Wilmington $2,040
Toledo $2,031
Salem $2,004
Barstow $2,001
Cleveland $1,998
Louisville $1,989
Chattanooga $1,986
El Centro $1,986
Kansas City $1,986
Rapid City $1,986
Twenty Nine Palms MCB $1,980
County Cost Group 800 $1,962
Battle Creek $1,959
Fort Wayne $1,947
Boise $1,926
Greenville $1,923
Anniston $1,185

Louisville is #180 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Louisville0 – $3,015 / month
E-1 $1,809
E-2 $1,809
E-3 $1,809
E-4 $1,809
E-5 $1,989
E-6 $2,274
E-7 $2,316
E-8 $2,364
E-9 $2,487
W-1 $2,292
W-2 $2,334
W-3 $2,397
W-4 $2,523
W-5 $2,679
O-1E $2,322
O-2E $2,385
O-3E $2,547
O-1 $2,031
O-2 $2,271
O-3 $2,394
O-4 $2,730
O-5 $2,973
O-6 $2,997
O-7 $3,015

The pay chart moves this allowance far less than the map does.

Moving from Louisville to San Francisco at E-5 is worth $3,138 a month — about 11 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.