2025 BAH Rates in Kentucky – ZIP Code Housing Allowance
The 2025 Basic Allowance for Housing (BAH) rates in Kentucky are now live. These monthly, tax-free allowances help military personnel afford off-base housing based on ZIP code, pay grade, and dependency status. If you’re stationed at Fort Knox, Fort Campbell (KY side), or near Lexington or Louisville, you’ll find your current rate below.
Kentucky’s 2025 BAH rates increased by an average of 5.4%, with notable adjustments near Elizabethtown, Hopkinsville, and surrounding military communities. To compare national data, visit our military housing allowance update page. For homebuying guidance, check out our Kentucky VA loan guide.
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What is the Basic Allowance for Housing (BAH)?
BAH is a tax-free monthly housing allowance provided to military personnel who live off base. It helps cover rent and housing costs near duty stations like Fort Knox, Fort Campbell, and other assignments in Kentucky.
The amount you receive depends on your location, pay grade, and whether or not you have dependents.
How BAH Rates Are Calculated
- Location: ZIP codes like 40121 (Fort Knox) and 42223 (Fort Campbell) are priced based on local rent data.
- Rank: Service members with higher ranks are eligible for larger housing allowances.
- Dependents: Members with dependents qualify for a higher BAH rate to support family housing needs.
How to Read the BAH Charts
- Locate your assigned ZIP code or base region
- Match your pay grade (E-5, O-3, etc.)
- Check your rate with or without dependents
How to Use Your BAH to Buy a Home
Instead of renting near base, many service members in Kentucky use their BAH to purchase a home with a VA loan. With affordable home prices in areas like Radcliff, Hopkinsville, and Bowling Green, your allowance might cover a full mortgage payment.
VA loan advantages include:
- $0 down payment required for most qualified buyers
- No PMI (Private Mortgage Insurance)
- Flexible credit score requirements
- Lower average VA interest rates than conventional loans
- Your BAH may cover all or most of your monthly mortgage
With home values and interest rates still competitive, using your housing allowance to build equity can be a smart move in Kentucky.
Kentucky Housing Costs & BAH Impact
Kentucky offers some of the most affordable housing in the country, especially near Fort Knox, Fort Campbell, and Elizabethtown. BAH in 2025 was adjusted upward to reflect modest rent growth in urban and rural areas alike. In many ZIP codes, housing allowances now fully cover rent and utilities. Military families in Kentucky benefit from stable housing support and typically lower out-of-pocket costs than those in more expensive states.
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
2025 BAH FAQs for Kentucky
How much did BAH increase in Kentucky for 2025?
BAH rates rose by 5.4% on average, with increases near Fort Campbell, Fort Knox, and Louisville.
Where is BAH highest in Kentucky?
Typically, ZIP codes near Fort Campbell (42223) and the Louisville metro see the highest BAH in the state.
What is the BAH for an E-5 with dependents at Fort Knox?
In 2025, an E-5 with dependents stationed at Fort Knox receives approximately $2,034/month.
Can BAH fully cover rent in Kentucky?
Yes. In many areas, BAH covers rent and basic utilities, especially in smaller towns and rural zones.
Is BAH taxable income?
No. BAH is tax-free and does not count toward your federal or state taxable income.
Can BAH be used as income for a VA loan?
Yes. Lenders accept BAH as verifiable income when you apply for a VA home loan.
Do single service members qualify for BAH?
Yes, if authorized to live off base or when government quarters are not available.
When do BAH rates update?
Rates are updated annually, with new numbers released every January by the DoD.
What is the MHA for Fort Campbell?
Fort Campbell (KY side) falls under MHA KY104, which includes ZIP code 42223.
Do BAH rates vary between Kentucky bases?
Yes. Each ZIP code has a unique rate based on housing market conditions in that area.
