What is E-8 BAH at Memphis in 2026?

$2,346 per month with dependents ($28,152 per year), effective 01 JAN 2026. without dependents it is $2,193 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.

E-8 BAH at Memphis 2026 — $2,346/mo with dependents

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

Memphis, TN

E-8 · with dependents

$2,346/ month

$28,152 / year

At E-8, this is #202 of 338 stations loaded · high Westchester County $6,333 · low Anniston $1,638

MHA TN268 · ZIPs 37501 37544 38002 38004 38011 38014 +79 more

Your grade is calledARMYMSG / 1SGUSMCMSgt / 1stSgtNAVYSCPOUSAFSMSgt

Untaxed — matching it with taxable pay takes$3,008 / mo gross

Other dependency status here$2,193 without dependents

In government quarters, no dependents$50.10 / mo partial

Memphis — full sheetTap a row

Grade	With 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-8 with dependents, nearest stations0 – $6,333 / month

Westchester County$6,333

Louisville$2,364

Fort Knox$2,352

Kings Bay$2,352

Boise$2,346

Memphis$2,346

Bloomington$2,343

Nellis AFB$2,337

Fort Drum$2,331

Fort Leavenworth$2,331

Anniston$1,638

Memphis is #202 of 338. The spread between the dearest and cheapest station at this grade is $4,695 a month — $56,340 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

Promoting to E-9 here adds $30 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 Memphis to Westchester County at E-8 is worth $3,987 a month — about 133 promotions worth of housing allowance, at $30 per grade here.

Dependency status is worth 7% 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. $2,346 a month of BAH takes more than $2,346 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.

E-8 with dependents at Memphis draws $2,346 per month in 2026

What this rate means

Things the rate table doesn't tell you