Updated February 2026
BAH Rates in Kentucky 2026
There are 6 military housing areas in Kentucky. In 2026, BAH rates for an E-5 with dependents range from $1,365/month in Paducah to $1,989/month in Louisville. Rates are set annually by the Department of Defense based on local rental market surveys.
Find BAH Rates by ZIP Code
Highest E-5 w/Dep
$1,989
Louisville
Lowest E-5 w/Dep
$1,365
Paducah
Housing Areas
6
MHAs in KY
| Location | E-5 w/Dep | E-5 w/o Dep | O-3 w/Dep |
|---|---|---|---|
| Fort Campbell | $1,815 | $1,593 | $2,496 |
| Fort Knox | $1,647 | $1,443 | $2,421 |
| Frankfort | $1,410 | $1,104 | $2,133 |
| Lexington | $1,875 | $1,440 | $2,205 |
| Louisville | $1,989 | $1,533 | $2,394 |
| Paducah | $1,365 | $1,143 | $2,031 |
How Kentucky BAH compares
Kentucky's 6 military housing areas average $1,684/mo for an E-5 with dependents — 26.4% below the national MHA average of $2,289. The spread inside the state is real money: Louisville, KY tops the table at $1,989/mo while Paducah, KY sits at $1,365/mo — a $624 monthly difference for the same rank and dependency status.
Computed from the official 2026 BAH rate file. Benchmark: E-5 with dependents across 299 market-priced MHAs nationwide.