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
    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
    WithWithout

    W-3 without dependents at Louisville draws $2,139 per month in 2026

    Permalinkbahratedesk.com/louisville-ky/w-3/without/ExcelCSVDownloads cover this station.
    Louisville, KY
    W-3 · without dependents
    $2,139/ month
    $25,668 / year
    At W-3, this is #186 of 338 stations loaded · high San Francisco $5,301 · low Youngstown $1,341
    MHA KY109 · ZIPs 40010 40014 40018 40023 40025 40026 +99 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$2,742 / mo gross
    Other dependency status here$2,397 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Louisville — full sheetTap 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
    PCS compareLouisville · W-3 · $2,139/mo
    Aberdeen Proving Grounds$2,619/mo · $31,428/yr
    ▲ RAISE+$480+$5,760/yr · like +$7,385 of salary

    What this rate means

    W-3 without dependents, nearest stations0 – $5,301 / month
    San Francisco$5,301
    Eastern Panhandle$2,160
    New Orleans$2,157
    Kings Bay$2,154
    Provo$2,145
    Louisville$2,139
    Nellis AFB$2,139
    County Cost Group 800$2,133
    College Station$2,118
    Boise$2,112
    Youngstown$1,341

    Louisville is #186 of 338. The spread between the dearest and cheapest station at this grade is $3,960 a month — $47,520 a year, untaxed.

    Every pay grade at Louisville0 – $2,412 / month
    E-1$1,377
    E-2$1,377
    E-3$1,377
    E-4$1,377
    E-5$1,533
    E-6$1,704
    E-7$1,815
    E-8$2,052
    E-9$2,127
    W-1$1,758
    W-2$2,049
    W-3$2,139
    W-4$2,277
    W-5$2,325
    O-1E$1,986
    O-2E$2,109
    O-3E$2,265
    O-1$1,626
    O-2$1,932
    O-3$2,166
    O-4$2,310
    O-5$2,331
    O-6$2,373
    O-7$2,412

    Promoting to W-4 here adds $138 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Louisville to San Francisco at W-3 is worth $3,162 a month — about 23 promotions worth of housing allowance, at $138 per grade here.

    02

    Dependency status is worth 12% 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.

    03

    None of it is taxed. $2,139 a month of BAH takes more than $2,139 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    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.