BAH Rate Calculator

    Tennessee (TN) BAH Rates

    2026 Basic Allowance for Housing rates for 5 military duty stations in Tennessee. Average E-5 with dependents rate: $2,028/mo.

    Chattanooga, TN

    MHA: TN266

    E-5 w/ Dep

    $1,986

    O-3 w/ Dep

    $2,520

    Johnson City/Kingsport, TN

    MHA: TN353

    E-5 w/ Dep

    $1,548

    O-3 w/ Dep

    $2,343

    Knoxville, TN

    MHA: TN267

    E-5 w/ Dep

    $2,184

    O-3 w/ Dep

    $2,904

    Memphis, TN

    MHA: TN268

    E-5 w/ Dep

    $2,154

    O-3 w/ Dep

    $2,352

    Nashville, TN

    MHA: TN269

    E-5 w/ Dep

    $2,268

    O-3 w/ Dep

    $2,784

    About BAH in Tennessee

    Tennessee has 5 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 Tennessee is $2,268/mo and the lowest is $1,548/mo. This range reflects the diversity of housing markets across Tennessee's military installations.

    How Tennessee BAH Rates Are Determined

    BAH rates in Tennessee 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 Tennessee 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 Tennessee should use our calculator to find the exact rate for their specific pay grade and dependency status.

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