Official data current

Louisville BAH rates

Verified · Effective 2026-01-01 · MHA KY109

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W-4 · With dependents
$2,523per month

$30,276 per year · federal tax-free allowance

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

National position #199 of 338W-4 · with dependents reference
Taxable-pay equivalent$3,235/mo Using the stated 22% comparison rate
Year-over-year change+$78/mo · +3.2%2025 $2,445 → 2026 $2,523
W-4 rate selectedMHA KY109 ZIPs 40010 40014 40018 40023 40025 40026 +99
PCS compare Louisville · W-4 · with dep. · $2,523/mo
Louisville $2,523/mo · $30,276/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$2,445
2026$2,523

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-4 with dependents, nearest stations0 – $6,963 / month
Westchester County $6,963
Ocala $2,544
County Cost Group 790 $2,538
Des Moines $2,538
Fort Knox $2,538
Waco $2,538
Lemoore NAS $2,535
Phoenix $2,535
Auburn $2,532
Kings Bay $2,529
Morehead $2,529
Louisville $2,523
Fort Worth $2,511
Albuquerque $2,502
Eastern Shore $2,496
Charlotte $2,481
Marquette $2,481
Nellis AFB $2,469
Fayetteville $2,466
Johnson City $2,466
Raleigh $2,466
Wichita Fls $2,463
Stevens Point $1,779

Louisville is #199 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 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 Westchester County at W-4 is worth $4,440 a month — about 28 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…