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

Press Enter to look it up.

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
With $2,154 Without $1,719

E-5 at Memphis draws $2,154 per month with dependents in 2026, $1,719 without

Permalink bahratedesk.com/memphis-tn/ Excel CSV
Memphis, TN
E-5 · with dependents
$2,154/ month
$25,848 / year
At E-5, this is #150 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA TN268 · ZIPs 37501 37544 38002 38004 38011 38014 +79 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,762 / mo gross
Without dependents here $1,719 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Memphis · E-5 · $2,154/mo
Memphis $2,154/mo · $25,848/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.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Memphis — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,992 $1,530
E-2 $1,992 $1,530
E-3 $1,992 $1,530
E-4 $1,992 $1,530
E-5 $2,154 $1,719
E-6 $2,319 $1,839
E-7 $2,337 $1,995
E-8 $2,346 $2,193
E-9 $2,376 $2,232
Warrant officer
W-1 $2,334 $1,944
W-2 $2,343 $2,190
W-3 $2,355 $2,238
W-4 $2,394 $2,310
W-5 $2,484 $2,322
Officer — prior enlisted
O-1E $2,340 $2,151
O-2E $2,349 $2,220
O-3E $2,409 $2,307
Officer
O-1 $2,181 $1,824
O-2 $2,316 $2,103
O-3 $2,352 $2,253
O-4 $2,508 $2,313
O-5 $2,643 $2,325
O-6 $2,661 $2,328
O-7 $2,679 $2,343

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Coastal Maine $2,193
Houston $2,193
Eugene $2,187
Knoxville $2,184
Spokane $2,184
Grand Haven $2,181
Jacksonville $2,181
Charlotte $2,169
Panama City $2,163
County Cost Group 820 $2,160
Memphis $2,154
Grand Rapids $2,148
Lemoore NAS $2,139
Kings Bay $2,133
Salt Lake City $2,130
Eastern Shore $2,121
Durham $2,118
Fort Worth $2,118
Ogden $2,118
Rome $2,109
Myrtle Beach $2,097
Anniston $1,185

Memphis is #150 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Memphis0 – $2,679 / month
E-1 $1,992
E-2 $1,992
E-3 $1,992
E-4 $1,992
E-5 $2,154
E-6 $2,319
E-7 $2,337
E-8 $2,346
E-9 $2,376
W-1 $2,334
W-2 $2,343
W-3 $2,355
W-4 $2,394
W-5 $2,484
O-1E $2,340
O-2E $2,349
O-3E $2,409
O-1 $2,181
O-2 $2,316
O-3 $2,352
O-4 $2,508
O-5 $2,643
O-6 $2,661
O-7 $2,679

The pay chart moves this allowance far less than the map does.

Moving from Memphis to San Francisco at E-5 is worth $2,973 a month — about 18 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.