Official data current

Louisville BAH rates

Verified · Effective 2026-01-01 · MHA KY109

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W-1 · With dependents
$2,292per month

$27,504 per year · federal tax-free allowance

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

National position #185 of 338W-1 · with dependents reference
Taxable-pay equivalent$2,938/mo Using the stated 22% comparison rate
Year-over-year change+$78/mo · +3.5%2025 $2,214 → 2026 $2,292
W-1 rate selectedMHA KY109 ZIPs 40010 40014 40018 40023 40025 40026 +99
PCS compare Louisville · W-1 · with dep. · $2,292/mo
Louisville $2,292/mo · $27,504/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$2,214
2026$2,292

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

W-1 with dependents, nearest stations0 – $5,472 / month
San Francisco $5,472
Duluth $2,352
Albuquerque $2,343
Humboldt County $2,343
Raleigh $2,337
Memphis $2,334
Eastern Shore $2,331
County Cost Group 800 $2,301
Boise $2,295
State College $2,295
Lemoore NAS $2,292
Louisville $2,292
Eastern Panhandle $2,271
Columbus $2,259
Rock Island $2,259
Jacksonville $2,256
Pensacola $2,253
Ogden $2,244
Provo $2,244
Cheyenne $2,238
Coos Bay $2,238
Corpus Christi $2,238
Youngstown $1,350

Louisville is #185 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 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 W-1 is worth $3,180 a month — about 76 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…