BAH Rate Calculator

    Kentucky (KY) BAH Rates

    2026 Basic Allowance for Housing rates for 6 military duty stations in Kentucky. Average E-5 with dependents rate: $1,684/mo.

    Fort Campbell, KY

    MHA: KY106

    E-5 w/ Dep

    $1,815

    O-3 w/ Dep

    $2,496

    Fort Knox, KY

    MHA: KY110

    E-5 w/ Dep

    $1,647

    O-3 w/ Dep

    $2,421

    Frankfort, KY

    MHA: KY339

    E-5 w/ Dep

    $1,410

    O-3 w/ Dep

    $2,133

    Lexington, KY

    MHA: KY107

    E-5 w/ Dep

    $1,875

    O-3 w/ Dep

    $2,205

    Louisville, KY

    MHA: KY109

    E-5 w/ Dep

    $1,989

    O-3 w/ Dep

    $2,394

    Paducah, KY

    MHA: KY430

    E-5 w/ Dep

    $1,365

    O-3 w/ Dep

    $2,031

    About BAH in Kentucky

    Kentucky has 6 Military Housing Areas with BAH rates that reflect local rental costs. Rates vary significantly across the state based on the cost of living in each area. The Department of Defense calculates BAH using median rental data collected from each housing area, ensuring that service members receive allowances aligned with actual housing costs in their duty station location.

    The highest E-5 with dependents BAH rate in Kentucky is $1,989/mo and the lowest is $1,365/mo. This range reflects the diversity of housing markets across Kentucky's military installations.

    How Kentucky BAH Rates Are Determined

    BAH rates in Kentucky are based on annual surveys of local rental markets conducted by the Department of Defense. These surveys measure median housing costs including rent, utilities, and renter's insurance for various housing profiles. Each Military Housing Area (MHA) in Kentucky receives rates tailored to its specific cost of living, which is why rates can differ significantly between duty stations even within the same state. Service members stationed in Kentucky should use our calculator to find the exact rate for their specific pay grade and dependency status.

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