2026 · TN268 · Basic Allowance for Housing

Memphis, TN BAH, 2026

An E-5 stationed here gets $2,154 a month with dependents and $1,719 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 (TN268).
Grade	With dependents	Without	vs 2025 (with)
E-1	$1,992	$1,530	−$72
E-2	$1,992	$1,530	−$72
E-3	$1,992	$1,530	−$72
E-4	$1,992	$1,530	−$72
E-5	$2,154	$1,719	−$54
E-6	$2,319	$1,839	same
E-7	$2,337	$1,995	same
E-8	$2,346	$2,193	same
E-9	$2,376	$2,232	same
W-1	$2,334	$1,944	same
W-2	$2,343	$2,190	same
W-3	$2,355	$2,238	same
W-4	$2,394	$2,310	−$3
W-5	$2,484	$2,322	−$9
O-1E	$2,340	$2,151	same
O-2E	$2,349	$2,220	same
O-3E	$2,409	$2,307	same
O-1	$2,181	$1,824	−$48
O-2	$2,316	$2,103	same
O-3	$2,352	$2,253	same
O-4	$2,508	$2,313	−$15
O-5	$2,643	$2,325	−$21
O-6	$2,661	$2,328	−$27
O-7	$2,679	$2,343	−$27

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	$1,992	$476.95	$4,876.15
E-3	over 2	$3,015.00	$1,992	$476.95	$5,483.95
E-4	over 3	$3,482.40	$1,992	$476.95	$5,951.35
E-5	over 6	$4,110.00	$2,154	$476.95	$6,740.95
E-6	over 10	$4,759.50	$2,319	$476.95	$7,555.45
E-7	over 14	$5,835.00	$2,337	$476.95	$8,648.95
E-8	over 18	$6,811.20	$2,346	$476.95	$9,634.15
E-9	over 22	$8,423.10	$2,376	$476.95	$11,276.05
W-2	over 10	$6,282.60	$2,343	$328.48	$8,954.08
O-1	under 2	$4,150.20	$2,181	$328.48	$6,659.68
O-2	over 2	$5,446.20	$2,316	$328.48	$8,090.68
O-3	over 6	$7,737.00	$2,352	$328.48	$10,417.48
O-4	over 12	$9,888.30	$2,508	$328.48	$12,724.78
O-5	over 18	$11,713.80	$2,643	$328.48	$14,685.28
O-6	over 24	$14,479.20	$2,661	$328.48	$17,468.68

02 · Where this rate applies

Counties

Fayette County, TN
Shelby County, TN
Tipton County, TN

ZIP codes (85)

37501 37544 38002 38004 38011 38014 38015 38016 38017 38018 38019 38023 38027 38028 38029 38049 38053 38054 38055 38058 38071 38083 38088 38101 38103 38104 38105 38106 38107 38108 38109 38111 38112 38113 38114 38115 38116 38117 38118 38119 38120 38122 38124 38125 38126 38127 38128 38130 38131 38132 38133 38134 38135 38136 38137 38138 38139 38141 38145 38148 38150 38151 38152 38157 38159 38161 38163 38166 38167 38168 38173 38174 38175 38177 38181 38182 38183 38184 38186 38187 38188 38190 38193 38194 38197

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