2025 Kentucky BAH (Basic Allowance for Housing) Rates
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What is the Basic Allowance for Housing (BAH)?
The Basic Allowance for Housing (BAH) is a critical financial support provided to active-duty members of the U.S. military. It is designed to assist service members in covering housing expenses when they are stationed away from their permanent residences. The amount of BAH a service member receives is influenced by several factors, including their rank, whether they have dependents, and their specific duty location. This ensures that the allowance is tailored to match the local housing market conditions in Kentucky.
Each year, the Department of Defense reviews and updates BAH rates to account for changes in housing costs. Below, you’ll find the latest BAH rates for Kentucky, making it straightforward to determine the allowance that aligns with your rank and dependent status.
How BAH Rates Are Determined
BAH rates are calculated based on key factors to ensure fairness and adequacy:
- Location: Housing costs can vary significantly across different regions of Kentucky, resulting in different BAH rates for each Military Housing Area (MHA).
- Rank: Higher-ranking service members receive larger allowances to reflect their increased responsibilities and housing needs.
- Dependents: Service members with dependents are eligible for higher BAH rates to accommodate their families appropriately.
The primary objective of BAH is to provide military personnel with the financial means to secure suitable and affordable housing within their assigned areas, promoting comfort and stability during their service in Kentucky.
How to Use the BAH Charts
To determine your monthly BAH:
- Identify your assigned Military Housing Area (MHA).
- Locate your pay grade (rank) in the provided chart.
- Determine if you have dependents.
By following these steps, you can easily find the appropriate housing allowance, facilitating effective financial planning during your assignment in Kentucky.
2025 Kentucky BAH Rate Charts
In 2025, BAH rates in Kentucky have been adjusted in line with the national average increase of approximately 5.4%. This annual adjustment by the Department of Defense ensures that allowances remain competitive with local housing costs, providing necessary financial support for service members seeking off-base accommodations.
Below are the updated BAH rate charts for key Kentucky Military Housing Areas (MHAs). Utilize these tables to quickly ascertain your housing allowance based on your rank and dependent status.
FORT CAMPBELL, KY BAH Rates
Military Housing Area: KY106
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,773 | $1,467 |
| E02 | $1,773 | $1,467 |
| E03 | $1,773 | $1,467 |
| E04 | $1,773 | $1,467 |
| E05 | $1,812 | $1,635 |
| E06 | $2,067 | $1,734 |
| E07 | $2,208 | $1,776 |
| E08 | $2,358 | $1,866 |
| E09 | $2,538 | $1,935 |
| W01 | $2,085 | $1,773 |
| W02 | $2,268 | $1,863 |
| W03 | $2,454 | $1,944 |
| W04 | $2,571 | $2,094 |
| W05 | $2,712 | $2,241 |
| O01E | $2,232 | $1,809 |
| O02E | $2,430 | $1,920 |
| O03E | $2,592 | $2,058 |
| O01 | $1,848 | $1,572 |
| O02 | $2,082 | $1,815 |
| O03 | $2,271 | $1,902 |
| O04 | $2,538 | $2,133 |
| O05 | $2,724 | $2,178 |
| O06 | $2,745 | $2,256 |
| O07 | $2,766 | $2,295 |
BAH for FORT CAMPBELL, KY includes the following zip codes: 37010, 37015, 37023, 37028, 37032, 37035, 37040, 37041, 37042, 37043, 37044, 37049, 37050, 37052, 37058, 37073, 37079, 37082, 37141, 37142, 37143, 37146, 37152, 37171, 37172, 37188, 37191, 42211, 42215, 42217, 42221, 42223, 42232, 42236, 42240, 42241, 42254, 42262, 42266
LEXINGTON, KY BAH Rates
Military Housing Area: KY107
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,614 | $1,212 |
| E02 | $1,614 | $1,212 |
| E03 | $1,614 | $1,212 |
| E04 | $1,614 | $1,212 |
| E05 | $1,755 | $1,368 |
| E06 | $1,986 | $1,485 |
| E07 | $2,004 | $1,617 |
| E08 | $2,019 | $1,806 |
| E09 | $2,130 | $1,863 |
| W01 | $2,001 | $1,578 |
| W02 | $2,010 | $1,803 |
| W03 | $2,040 | $1,875 |
| W04 | $2,166 | $1,980 |
| W05 | $2,328 | $2,007 |
| O01E | $2,007 | $1,752 |
| O02E | $2,031 | $1,851 |
| O03E | $2,190 | $1,974 |
| O01 | $1,791 | $1,473 |
| O02 | $1,983 | $1,713 |
| O03 | $2,037 | $1,899 |
| O04 | $2,385 | $1,992 |
| O05 | $2,631 | $2,010 |
| O06 | $2,655 | $2,016 |
| O07 | $2,673 | $2,052 |
BAH for LEXINGTON, KY includes the following zip codes: 40502, 40503, 40504, 40505, 40506, 40507, 40508, 40509, 40510, 40511, 40512, 40513, 40514, 40515, 40516, 40517, 40522, 40523, 40524, 40526, 40533, 40536, 40544, 40546, 40550, 40555, 40574, 40575, 40576, 40577, 40578, 40579, 40580, 40581, 40582, 40583, 40588, 40591, 40598
LOUISVILLE, KY BAH Rates
Military Housing Area: KY109
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,773 | $1,341 |
| E02 | $1,773 | $1,341 |
| E03 | $1,773 | $1,341 |
| E04 | $1,773 | $1,341 |
| E05 | $1,950 | $1,500 |
| E06 | $2,196 | $1,644 |
| E07 | $2,244 | $1,776 |
| E08 | $2,292 | $2,004 |
| E09 | $2,412 | $2,067 |
| W01 | $2,214 | $1,722 |
| W02 | $2,265 | $2,001 |
| W03 | $2,331 | $2,079 |
| W04 | $2,445 | $2,199 |
| W05 | $2,589 | $2,253 |
| O01E | $2,247 | $1,947 |
| O02E | $2,319 | $2,052 |
| O03E | $2,466 | $2,187 |
| O01 | $1,986 | $1,593 |
| O02 | $2,193 | $1,893 |
| O03 | $2,328 | $2,103 |
| O04 | $2,637 | $2,238 |
| O05 | $2,856 | $2,262 |
| O06 | $2,880 | $2,301 |
| O07 | $2,901 | $2,352 |
BAH for LOUISVILLE, KY includes the following zip codes: 40010, 40014, 40018, 40023, 40025, 40026, 40027, 40031, 40032, 40041, 40056, 40059, 40077, 40118, 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, 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
FORT KNOX, KY BAH Rates
Military Housing Area: KY110
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,452 | $1,179 |
| E02 | $1,452 | $1,179 |
| E03 | $1,452 | $1,179 |
| E04 | $1,452 | $1,179 |
| E05 | $1,524 | $1,302 |
| E06 | $1,983 | $1,488 |
| E07 | $2,106 | $1,581 |
| E08 | $2,235 | $1,677 |
| E09 | $2,400 | $1,800 |
| W01 | $2,004 | $1,503 |
| W02 | $2,160 | $1,620 |
| W03 | $2,319 | $1,803 |
| W04 | $2,433 | $2,007 |
| W05 | $2,571 | $2,133 |
| O01E | $2,124 | $1,593 |
| O02E | $2,298 | $1,725 |
| O03E | $2,451 | $1,977 |
| O01 | $1,584 | $1,374 |
| O02 | $1,980 | $1,584 |
| O03 | $2,316 | $1,815 |
| O04 | $2,616 | $2,109 |
| O05 | $2,826 | $2,181 |
| O06 | $2,850 | $2,301 |
| O07 | $2,871 | $2,340 |
BAH for FORT KNOX, KY includes the following zip codes: 40104, 40108, 40117, 40121, 40122, 40142, 40155, 40157, 40159, 40160, 40161, 40162, 40175, 40177, 42701, 42702, 42724, 42732, 42740, 42776, 42784, 42788
FRANKFORT, KY BAH Rates
Military Housing Area: KY339
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,167 | $918 |
| E02 | $1,167 | $918 |
| E03 | $1,167 | $918 |
| E04 | $1,167 | $918 |
| E05 | $1,233 | $1,029 |
| E06 | $1,569 | $1,176 |
| E07 | $1,704 | $1,278 |
| E08 | $1,848 | $1,386 |
| E09 | $1,956 | $1,467 |
| W01 | $1,587 | $1,191 |
| W02 | $1,764 | $1,323 |
| W03 | $1,941 | $1,470 |
| W04 | $1,962 | $1,596 |
| W05 | $1,989 | $1,737 |
| O01E | $1,725 | $1,293 |
| O02E | $1,917 | $1,437 |
| O03E | $1,965 | $1,560 |
| O01 | $1,278 | $1,095 |
| O02 | $1,566 | $1,281 |
| O03 | $1,938 | $1,473 |
| O04 | $1,992 | $1,707 |
| O05 | $2,025 | $1,788 |
| O06 | $2,040 | $1,923 |
| O07 | $2,052 | $1,956 |
BAH for FRANKFORT, KY includes the following zip codes: 40342, 40601, 40602, 40603, 40604, 40618, 40619, 40620, 40621, 40622
PADUCAH, KY BAH Rates
Military Housing Area: KY430
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,269 | $993 |
| E02 | $1,269 | $993 |
| E03 | $1,269 | $993 |
| E04 | $1,269 | $993 |
| E05 | $1,332 | $1,122 |
| E06 | $1,815 | $1,362 |
| E07 | $1,848 | $1,386 |
| E08 | $1,875 | $1,431 |
| E09 | $1,998 | $1,572 |
| W01 | $1,836 | $1,377 |
| W02 | $1,860 | $1,428 |
| W03 | $1,902 | $1,590 |
| W04 | $2,037 | $1,818 |
| W05 | $2,205 | $1,854 |
| O01E | $1,851 | $1,392 |
| O02E | $1,893 | $1,542 |
| O03E | $2,061 | $1,809 |
| O01 | $1,395 | $1,200 |
| O02 | $1,812 | $1,389 |
| O03 | $1,899 | $1,641 |
| O04 | $2,262 | $1,839 |
| O05 | $2,523 | $1,893 |
| O06 | $2,544 | $1,908 |
| O07 | $2,562 | $1,923 |
BAH for PADUCAH, KY includes the following zip codes: 42001, 42002, 42003, 42053, 42086