Official data current

Louisville BAH rates

Verified · Effective 2026-01-01 · MHA KY109

Don't know your pay grade? Use a rank name
Rank name

Press Enter to look it up.

O-2 · With dependents
$2,271per month

$27,252 per year · federal tax-free allowance

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

National position #185 of 338O-2 · with dependents reference
Taxable-pay equivalent$2,912/mo Using the stated 22% comparison rate
Year-over-year change+$78/mo · +3.6%2025 $2,193 → 2026 $2,271
O-2 rate selectedMHA KY109 ZIPs 40010 40014 40018 40023 40025 40026 +99
PCS compare Louisville · O-2 · with dep. · $2,271/mo
Louisville $2,271/mo · $27,252/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.

Open full comparison

Rate history

How updates work
2025$2,193
2026$2,271

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

Louisville — full sheet Tap a row

What this rate means

O-2 with dependents, nearest stations0 – $5,451 / month
San Francisco $5,451
Duluth $2,331
Fargo $2,328
Albuquerque $2,325
Humboldt County $2,316
Memphis $2,316
Raleigh $2,316
Eastern Shore $2,310
County Cost Group 800 $2,280
Boise $2,274
Lemoore NAS $2,274
Louisville $2,271
State College $2,271
Eastern Panhandle $2,250
Jacksonville $2,238
Columbus $2,235
Rock Island $2,235
Pensacola $2,232
Ogden $2,226
Provo $2,226
Corpus Christi $2,214
Cheyenne $2,211
Youngstown $1,332

Louisville is #185 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 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 O-2 is worth $3,180 a month — about 26 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…