paybook
2026 · TN266 · Basic Allowance for Housing

Chattanooga, TN BAH, 2026

An E-5 stationed here gets $1,986 a month with dependents and $1,629 without. BAH is tax-free and paid on top of basic pay.

GradeWith dependentsWithoutvs 2025 (with)
E-1$1,863$1,446+$12
E-2$1,863$1,446+$12
E-3$1,863$1,446+$12
E-4$1,863$1,446+$12
E-5$1,986$1,629+$36
E-6$2,397$1,797−$27
E-7$2,445$1,863−$3
E-8$2,490$2,073+$33
E-9$2,631$2,193+$75
W-1$2,418$1,830−$27
W-2$2,463$2,070+$9
W-3$2,523$2,208+$57
W-4$2,670$2,403+$66
W-5$2,856$2,454+$48
O-1E$2,448$1,983−$3
O-2E$2,511$2,166+$51
O-3E$2,700$2,391+$66
O-1$2,043$1,734+$30
O-2$2,394$1,950−$27
O-3$2,520$2,247+$57
O-4$2,916$2,436+$36
O-5$3,201$2,460+$3
O-6$3,228$2,499+$3
O-7$3,249$2,541same
Monthly rates effective January 1, 2026. O-8 and above get the O-7 rate. Source: DTMO BAH rate files (TN266).

See full pay here with basic pay and BAS

01 · Total monthly pay here
RankYearsBasic payBAHBASTotal a month
E-1under 2$2,407.20$1,863$476.95$4,747.15
E-3over 2$3,015.00$1,863$476.95$5,354.95
E-4over 3$3,482.40$1,863$476.95$5,822.35
E-5over 6$4,110.00$1,986$476.95$6,572.95
E-6over 10$4,759.50$2,397$476.95$7,633.45
E-7over 14$5,835.00$2,445$476.95$8,756.95
E-8over 18$6,811.20$2,490$476.95$9,778.15
E-9over 22$8,423.10$2,631$476.95$11,531.05
W-2over 10$6,282.60$2,463$328.48$9,074.08
O-1under 2$4,150.20$2,043$328.48$6,521.68
O-2over 2$5,446.20$2,394$328.48$8,168.68
O-3over 6$7,737.00$2,520$328.48$10,585.48
O-4over 12$9,888.30$2,916$328.48$13,132.78
O-5over 18$11,713.80$3,201$328.48$15,243.28
O-6over 24$14,479.20$3,228$328.48$18,035.68
2026 rates, with dependents, at a typical point in a career. BAH and BAS are tax-free. Special pays (flight, sea, hazardous duty) aren't included. Change rank, years or dependents in the calculator.
02 · Where this rate applies

BAH follows ZIP codes, so an area can cover part of a county. All housing areas