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2026 BAH Rates in Tennessee – Military Housing by ZIP Code

The 2026 Basic Allowance for Housing (BAH) rates in Tennessee are now active. These monthly, tax-free payments are provided to service members who live off base, with amounts based on ZIP code, rank, and dependent status. Whether you’re stationed at Fort Campbell (Tennessee side), NSA Mid-South in Millington, or Arnold Air Force Base, you’ll find your updated housing allowance below.

BAH saw moderate increases in 2026, especially around Nashville, Clarksville, and Memphis metro ZIPs. To compare national changes, visit our BAH rate tracker, or explore local VA loan options in the Tennessee VA loan guide.

See what your BAH covers in Tennessee

See BAH Rates in:

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Enter your BAH and key financials. We’ll estimate a comfortable VA home price and the resulting monthly payment.

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Using Your BAH to Buy a Home in Tennessee

Instead of paying rent, many military families use their BAH to purchase a home through a VA loan. In towns like Clarksville, Millington, and Smyrna, housing is affordable enough that your monthly BAH may cover your entire mortgage — and you don’t need a down payment to qualify.

VA Loan Benefits for Tennessee Buyers:

Buying a home in Tennessee with your BAH may help you build equity while living near base — especially in stable, family-friendly areas.

See how much home your BAH can buy in Tennessee

What Is BAH and How Is It Applied in Tennessee?

BAH is a monthly, tax-exempt housing stipend that helps military personnel afford off-base housing. In Tennessee, this includes those stationed at Fort Campbell (TN side), NSA Mid-South in Millington, Arnold AFB near Tullahoma, and regional recruiters in cities like Nashville, Chattanooga, and Knoxville.

How Are Tennessee BAH Rates Calculated?

  • ZIP Code: Rates are based on rent data from local ZIPs, such as 37042 (Clarksville), 38053 (Millington), and 37388 (Tullahoma).
  • Pay Grade: BAH increases with your rank, reflecting expanded housing expectations.
  • Dependents: If you have dependents, your BAH is higher to help cover family housing costs.

Using the 2026 BAH Chart

  • Locate your duty ZIP code or military housing area (MHA)
  • Select your rank (e.g., E-4, O-2)
  • Compare rates for “with” and “without” dependents

Tennessee Housing Costs & BAH Impact

Tennessee’s housing market is considered relatively affordable, though prices have steadily risen in recent years — particularly near Nashville, Memphis, and Clarksville. In 2026, BAH increases reflected these market shifts, especially in ZIPs near Fort Campbell and NSA Mid-South. For most service members, BAH is enough to fully cover rent and utilities across much of the state, with only a few high-demand areas exceeding the allowance.

Chattanooga, TN BAH Rates (MHA: TN266)

Grade With Dependents Without Dependents
E01 $1,851 $1,440
E02 $1,851 $1,440
E03 $1,851 $1,440
E04 $1,851 $1,440
E05 $1,950 $1,635
E06 $2,424 $1,818
E07 $2,448 $1,851
E08 $2,457 $2,049
E09 $2,556 $2,187
W01 $2,445 $1,833
W02 $2,454 $2,046
W03 $2,466 $2,205
W04 $2,604 $2,421
W05 $2,808 $2,433
O01E $2,451 $1,947
O02E $2,460 $2,154
O03E $2,634 $2,418
O01 $2,013 $1,749
O02 $2,421 $1,920
O03 $2,463 $2,253
O04 $2,880 $2,424
O05 $3,198 $2,436
O06 $3,225 $2,439
O07 $3,249 $2,460

Zip codes for Chattanooga, TN: 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.

Knoxville, TN BAH Rates (MHA: TN267)

Grade With Dependents Without Dependents
E01 $1,923 $1,479
E02 $1,923 $1,479
E03 $1,923 $1,479
E04 $1,923 $1,479
E05 $2,052 $1,680
E06 $2,457 $1,842
E07 $2,553 $1,926
E08 $2,655 $2,136
E09 $2,817 $2,250
W01 $2,475 $1,890
W02 $2,598 $2,133
W03 $2,724 $2,268
W04 $2,853 $2,475
W05 $3,009 $2,577
O01E $2,568 $2,049
O02E $2,706 $2,226
O03E $2,874 $2,448
O01 $2,106 $1,791
O02 $2,454 $2,013
O03 $2,721 $2,307
O04 $3,063 $2,553
O05 $3,303 $2,610
O06 $3,330 $2,706
O07 $3,357 $2,754

Zip codes for Knoxville, TN: 37701, 37705, 37710, 37716, 37717, 37721, 37737, 37754, 37769, 37777, 37801, 37802, 37803, 37804, 37806, 37828, 37830, 37831, 37849, 37853, 37878, 37882, 37886, 37901, 37902, 37909, 37912, 37914, 37915, 37916, 37917, 37918, 37919, 37920, 37921, 37922, 37923, 37924, 37927, 37928, 37929, 37930, 37931, 37932, 37933, 37934, 37938, 37939, 37940, 37950, 37995, 37996, 37997, 37998.

Memphis, TN BAH Rates (MHA: TN268)

Grade With Dependents Without Dependents
E01 $2,064 $1,590
E02 $2,064 $1,590
E03 $2,064 $1,590
E04 $2,064 $1,590
E05 $2,208 $1,800
E06 $2,319 $1,932
E07 $2,337 $2,067
E08 $2,346 $2,235
E09 $2,376 $2,253
W01 $2,334 $2,025
W02 $2,343 $2,232
W03 $2,355 $2,262
W04 $2,397 $2,307
W05 $2,493 $2,319
O01E $2,340 $2,205
O02E $2,349 $2,250
O03E $2,409 $2,304
O01 $2,229 $1,917
O02 $2,316 $2,163
O03 $2,352 $2,271
O04 $2,523 $2,310
O05 $2,664 $2,322
O06 $2,688 $2,325
O07 $2,706 $2,343

Zip codes for Memphis, TN: 37501, 37544, 38002, 38004, 38011, 38014, 38015, 38016, 38017, 38018, 38019, 38023, 38027, 38028, 38029, 38049, 38053, 38054, 38055, 38058, 38071, 38083, 38088, 38101, 38103, 38104, 38105, 38106, 38107, 38108, 38109, 38111, 38112, 38113, 38114, 38115, 38116, 38117, 38118, 38119, 38120, 38122, 38124, 38125, 38126, 38127, 38128, 38130, 38131, 38132, 38133, 38134, 38135, 38136, 38137, 38138, 38139, 38141, 38145, 38148, 38150, 38151, 38152, 38157, 38159, 38161, 38163, 38166, 38167, 38168, 38173, 38174, 38175, 38177, 38181, 38182, 38183, 38184, 38186, 38187, 38188, 38190, 38193, 38194, 38197.

Nashville, TN BAH Rates (MHA: TN269)

Grade With Dependents Without Dependents
E01 $2,133 $1,746
E02 $2,133 $1,746
E03 $2,133 $1,746
E04 $2,133 $1,746
E05 $2,265 $1,905
E06 $2,652 $2,007
E07 $2,682 $2,136
E08 $2,712 $2,346
E09 $2,799 $2,454
W01 $2,670 $2,097
W02 $2,697 $2,343
W03 $2,739 $2,469
W04 $2,823 $2,652
W05 $2,931 $2,688
O01E $2,685 $2,262
O02E $2,730 $2,430
O03E $2,838 $2,643
O01 $2,319 $1,995
O02 $2,649 $2,226
O03 $2,736 $2,511
O04 $2,967 $2,676
O05 $3,129 $2,691
O06 $3,156 $2,718
O07 $3,180 $2,766

Zip codes for Nashville, TN: 37011, 37013, 37014, 37024, 37027, 37037, 37046, 37060, 37062, 37063, 37064, 37065, 37067, 37068, 37069, 37070, 37072, 37076, 37080, 37085, 37086, 37089, 37115, 37116, 37118, 37127, 37128, 37129, 37130, 37131, 37132, 37133, 37135, 37138, 37153, 37167, 37179, 37189, 37201, 37202, 37203, 37204, 37205, 37206, 37207, 37208, 37209, 37210, 37211, 37212, 37213, 37214, 37215, 37216, 37217, 37218, 37219, 37220, 37221, 37222, 37224, 37227, 37228, 37229, 37230, 37232, 37234, 37235, 37236, 37238, 37240, 37241, 37242, 37243, 37244, 37246, 37250, 38476.

Johnson City/Kingsport, TN BAH Rates (MHA: TN353)

Grade With Dependents Without Dependents
E01 $1,407 $1,101
E02 $1,407 $1,101
E03 $1,407 $1,101
E04 $1,407 $1,101
E05 $1,485 $1,242
E06 $1,986 $1,491
E07 $2,070 $1,554
E08 $2,157 $1,617
E09 $2,307 $1,734
W01 $2,007 $1,506
W02 $2,106 $1,587
W03 $2,217 $1,755
W04 $2,343 $2,004
W05 $2,499 $2,091
O01E $2,082 $1,563
O02E $2,202 $1,701
O03E $2,364 $1,980
O01 $1,551 $1,326
O02 $1,983 $1,557
O03 $2,214 $1,806
O04 $2,553 $2,070
O05 $2,793 $2,115
O06 $2,817 $2,196
O07 $2,838 $2,235

Zip codes for Johnson City/Kingsport, TN: 24201, 24203, 24205, 24209, 37601, 37602, 37604, 37605, 37614, 37615, 37617, 37618, 37620, 37621, 37625, 37642, 37643, 37644, 37645, 37656, 37658, 37659, 37660, 37662, 37663, 37664, 37665, 37669, 37681, 37682, 37684, 37686, 37687, 37690, 37694, 37699, 37711, 37731, 37811, 37857, 37873.

 

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