United States · BAH 2026 · Tennessee
Chattanooga, TN BAH rates 2026
In Chattanooga, TN, 2026 BAH runs from $1,446 a month (E-1 without dependents) to $3,249 (O-7 and above with dependents). An E-5 with dependents gets $1,986 a month, not taxed.
Chattanooga, TN · E-5 · with dependents
$1,986 a month
$23,832 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,863 | $1,446 |
| E-2 | $1,863 | $1,446 |
| E-3 | $1,863 | $1,446 |
| E-4 | $1,863 | $1,446 |
| E-5 | $1,986 | $1,629 |
| E-6 | $2,397 | $1,797 |
| E-7 | $2,445 | $1,863 |
| E-8 | $2,490 | $2,073 |
| E-9 | $2,631 | $2,193 |
| W-1 | $2,418 | $1,830 |
| W-2 | $2,463 | $2,070 |
| W-3 | $2,523 | $2,208 |
| W-4 | $2,670 | $2,403 |
| W-5 | $2,856 | $2,454 |
| O-1E | $2,448 | $1,983 |
| O-2E | $2,511 | $2,166 |
| O-3E | $2,700 | $2,391 |
| O-1 | $2,043 | $1,734 |
| O-2 | $2,394 | $1,950 |
| O-3 | $2,520 | $2,247 |
| O-4 | $2,916 | $2,436 |
| O-5 | $3,201 | $2,460 |
| O-6 | $3,228 | $2,499 |
| O-7 and above | $3,249 | $2,541 |
What is take-home pay with BAH in Chattanooga, TN?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. Tennessee has no income tax on wages, so no state tax comes off.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $1,446.00 | $1,863.00 | $2,247.00 | $2,520.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | none | none | none | none |
| Take-home a month | $4,902.73 | $5,476.04 | $8,505.04 | $9,143.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Chattanooga, TN?
DTMO’s 2026 list maps 36 ZIP codes to this housing area (TN266). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
30726, 30736, 30742, 37302, 37304, 37308, 37315, 37341, 37343, 37350, 37351, 37363, 37373, 37377, 37379, 37384, 37401, 37402, 37403, 37404, 37405, 37406, 37407, 37408, 37409, 37410, 37411, 37412, 37414, 37415, 37416, 37419, 37421, 37422, 37424, 37450
How does Chattanooga, TN BAH compare?
For an E-5 with dependents, Chattanooga, TN pays $1,986 a month: number 181 of 338 housing areas, and $75 below the middle of all areas ($2,061). Other housing areas in Tennessee:
- Johnson City/Kingsport, TN E-5 with dependents $1,548
- Knoxville, TN E-5 with dependents $2,184
- Memphis, TN E-5 with dependents $2,154
- Nashville, TN E-5 with dependents $2,268
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- Tennessee minimum wage The Tennessee minimum wage for 2026 and 2027, with full-time pay.
- Tennessee paycheck calculator Take-home pay for a civilian job in Tennessee, after federal and state tax.
Questions about BAH in Chattanooga, TN
What is E-5 BAH in Chattanooga, TN for 2026?
$1,986 a month with dependents and $1,629 without ($23,832 and $19,548 a year). That ranks 181 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Chattanooga, TN?
An O-3 gets $2,520 a month with dependents and $2,247 without in 2026. A W-2 gets $2,463 and $2,070.
How much BAH does an E-1 get in Chattanooga, TN?
$1,863 a month with dependents and $1,446 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Chattanooga, TN BAH rates?
36 ZIP codes in DTMO’s 2026 list map to this housing area (TN266): 30726, 30736, 30742, 37302, 37304 and 31 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Chattanooga, TN taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $5,405.35 a month here with allowances and takes home about $4,902.73. Tennessee has no income tax on wages, so no state tax comes off.
When will Chattanooga, TN BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.