United States · BAH 2026 · Kentucky
Louisville, KY BAH rates 2026
In Louisville, KY, 2026 BAH runs from $1,377 a month (E-1 without dependents) to $3,015 (O-7 and above with dependents). An E-5 with dependents gets $1,989 a month, not taxed.
Louisville, KY · E-5 · with dependents
$1,989 a month
$23,868 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,809 | $1,377 |
| E-2 | $1,809 | $1,377 |
| E-3 | $1,809 | $1,377 |
| E-4 | $1,809 | $1,377 |
| E-5 | $1,989 | $1,533 |
| E-6 | $2,274 | $1,704 |
| E-7 | $2,316 | $1,815 |
| E-8 | $2,364 | $2,052 |
| E-9 | $2,487 | $2,127 |
| W-1 | $2,292 | $1,758 |
| W-2 | $2,334 | $2,049 |
| W-3 | $2,397 | $2,139 |
| W-4 | $2,523 | $2,277 |
| W-5 | $2,679 | $2,325 |
| O-1E | $2,322 | $1,986 |
| O-2E | $2,385 | $2,109 |
| O-3E | $2,547 | $2,265 |
| O-1 | $2,031 | $1,626 |
| O-2 | $2,271 | $1,932 |
| O-3 | $2,394 | $2,166 |
| O-4 | $2,730 | $2,310 |
| O-5 | $2,973 | $2,331 |
| O-6 | $2,997 | $2,373 |
| O-7 and above | $3,015 | $2,412 |
What is take-home pay with BAH in Louisville, KY?
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. Kentucky does not tax a resident’s active-duty pay, 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 | $1,377.00 | $1,809.00 | $2,166.00 | $2,394.00 |
| 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 | $4,833.73 | $5,422.04 | $8,424.04 | $9,017.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Louisville, KY?
DTMO’s 2026 list maps 105 ZIP codes to this housing area (KY109). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 105 ZIP codes
400xx: 40010, 40014, 40018, 40023, 40025, 40026, 40027, 40031, 40032, 40041, 40056, 40059, 40077
401xx: 40118
402xx: 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
471xx: 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
How does Louisville, KY BAH compare?
For an E-5 with dependents, Louisville, KY pays $1,989 a month: number 180 of 338 housing areas, and $72 below the middle of all areas ($2,061). Other housing areas in Kentucky:
- Fort Campbell, KY E-5 with dependents $1,815
- Fort Knox, KY E-5 with dependents $1,647
- Frankfort, KY E-5 with dependents $1,410
- Lexington, KY E-5 with dependents $1,875
- Paducah, KY E-5 with dependents $1,365
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.
- Kentucky minimum wage The Kentucky minimum wage for 2026 and 2027, with full-time pay.
- Kentucky paycheck calculator Take-home pay for a civilian job in Kentucky, after federal and state tax.
Questions about BAH in Louisville, KY
What is E-5 BAH in Louisville, KY for 2026?
$1,989 a month with dependents and $1,533 without ($23,868 and $18,396 a year). That ranks 180 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 Louisville, KY?
An O-3 gets $2,394 a month with dependents and $2,166 without in 2026. A W-2 gets $2,334 and $2,049.
How much BAH does an E-1 get in Louisville, KY?
$1,809 a month with dependents and $1,377 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Louisville, KY BAH rates?
105 ZIP codes in DTMO’s 2026 list map to this housing area (KY109): 40010, 40014, 40018, 40023, 40025 and 100 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Louisville, KY 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 $5,336.35 a month here with allowances and takes home about $4,833.73. Kentucky does not tax a resident’s active-duty pay, so no state tax comes off.
When will Louisville, KY 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.