2025 Kentucky BAH (Basic Allowance for Housing) Rates

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Fort Campbell
Lexington
Louisville
Fort Knox
Frankfort
Paduccah

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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