2026 · KY109 · Basic Allowance for Housing

Louisville, KY BAH, 2026

An E-5 stationed here gets $1,989 a month with dependents and $1,533 without. BAH is tax-free and paid on top of basic pay.

Monthly rates effective January 1, 2026. O-8 and above get the O-7 rate. Source: DTMO BAH rate files (KY109).
Grade	With dependents	Without	vs 2025 (with)
E-1	$1,809	$1,377	+$36
E-2	$1,809	$1,377	+$36
E-3	$1,809	$1,377	+$36
E-4	$1,809	$1,377	+$36
E-5	$1,989	$1,533	+$39
E-6	$2,274	$1,704	+$78
E-7	$2,316	$1,815	+$72
E-8	$2,364	$2,052	+$72
E-9	$2,487	$2,127	+$75
W-1	$2,292	$1,758	+$78
W-2	$2,334	$2,049	+$69
W-3	$2,397	$2,139	+$66
W-4	$2,523	$2,277	+$78
W-5	$2,679	$2,325	+$90
O-1E	$2,322	$1,986	+$75
O-2E	$2,385	$2,109	+$66
O-3E	$2,547	$2,265	+$81
O-1	$2,031	$1,626	+$45
O-2	$2,271	$1,932	+$78
O-3	$2,394	$2,166	+$66
O-4	$2,730	$2,310	+$93
O-5	$2,973	$2,331	+$117
O-6	$2,997	$2,373	+$117
O-7	$3,015	$2,412	+$114

See full pay here with basic pay and BAS

01 · Total monthly pay here

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.
Rank	Years	Basic pay	BAH	BAS	Total a month
E-1	under 2	$2,407.20	$1,809	$476.95	$4,693.15
E-3	over 2	$3,015.00	$1,809	$476.95	$5,300.95
E-4	over 3	$3,482.40	$1,809	$476.95	$5,768.35
E-5	over 6	$4,110.00	$1,989	$476.95	$6,575.95
E-6	over 10	$4,759.50	$2,274	$476.95	$7,510.45
E-7	over 14	$5,835.00	$2,316	$476.95	$8,627.95
E-8	over 18	$6,811.20	$2,364	$476.95	$9,652.15
E-9	over 22	$8,423.10	$2,487	$476.95	$11,387.05
W-2	over 10	$6,282.60	$2,334	$328.48	$8,945.08
O-1	under 2	$4,150.20	$2,031	$328.48	$6,509.68
O-2	over 2	$5,446.20	$2,271	$328.48	$8,045.68
O-3	over 6	$7,737.00	$2,394	$328.48	$10,459.48
O-4	over 12	$9,888.30	$2,730	$328.48	$12,946.78
O-5	over 18	$11,713.80	$2,973	$328.48	$15,015.28
O-6	over 24	$14,479.20	$2,997	$328.48	$17,804.68

02 · Where this rate applies

Counties

Clark County, IN
Floyd County, IN
Jefferson County, KY
Oldham County, KY

ZIP codes (105)

40010 40014 40018 40023 40025 40026 40027 40031 40032 40041 40056 40059 40077 40118 40201 40202 40203 40204 40205 40206 40207 40208 40209 40210 40211 40212 40213 40214 40215 40216 40217 40218 40219 40220 40221 40222 40223 40224 40225 40228 40229 40231 40232 40233 40241 40242 40243 40245 40250 40251 40252 40253 40255 40256 40257 40258 40259 40261 40266 40268 40269 40270 40272 40280 40281 40282 40283 40285 40287 40289 40290 40291 40292 40293 40294 40295 40296 40297 40298 40299 47104 47106 47111 47119 47122 47124 47126 47129 47130 47131 47132 47133 47134 47141 47143 47144 47146 47147 47150 47151 47162 47163 47172 47190 47199

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