What is O-3 BAH at Louisville in 2026?

$2,394 per month with dependents ($28,728 per year), effective 01 JAN 2026. without dependents it is $2,166 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Louisville 2026 — $2,394/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Louisville, KY

O-3 · with dependents

$2,394/ month

$28,728 / year

At O-3, this is #203 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA KY109 · ZIPs 40010 40014 40018 40023 40025 40026 +99 more

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Untaxed — matching it with taxable pay takes$3,069 / mo gross

Other dependency status here$2,166 without dependents

In government quarters, no dependents$50.10 / mo partial

Louisville — full sheetTap a row

Grade	With 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

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

Auburn$2,412

Eastern Shore$2,406

Albuquerque$2,397

Fort Leavenworth$2,394

Louisville$2,394

Raleigh$2,391

Marquette$2,385

Nellis AFB$2,382

Waco$2,379

Anniston$1,686

Louisville is #203 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 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

Promoting to O-4 here adds $336 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Louisville to Westchester County at O-3 is worth $4,239 a month — about 13 promotions worth of housing allowance, at $336 per grade here.

Dependency status is worth 11% 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.

None of it is taxed. $2,394 a month of BAH takes more than $2,394 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-3 with dependents at Louisville draws $2,394 per month in 2026

What this rate means

Things the rate table doesn't tell you