Updated February 2026

BAH Rates Louisville, KY 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Louisville military housing area (MHA: KY109), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$1,989

$23,868/year

E-5 without Dependents

$1,533

$18,396/year

O-3 with Dependents

$2,394

$28,728/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,809	$21,708
E-2	$1,809	$21,708
E-3	$1,809	$21,708
E-4	$1,809	$21,708
E-5	$1,989	$23,868
E-6	$2,274	$27,288
E-7	$2,316	$27,792
E-8	$2,364	$28,368
E-9	$2,487	$29,844
Warrant Officer
W-1	$2,292	$27,504
W-2	$2,334	$28,008
W-3	$2,397	$28,764
W-4	$2,523	$30,276
W-5	$2,679	$32,148
Commissioned Officer (Prior Enlisted)
O-1E	$2,322	$27,864
O-2E	$2,385	$28,620
O-3E	$2,547	$30,564
Commissioned Officer
O-1	$2,031	$24,372
O-2	$2,271	$27,252
O-3	$2,394	$28,728
O-4	$2,730	$32,760
O-5	$2,973	$35,676
O-6	$2,997	$35,964
O-7	$3,015	$36,180

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,377	$16,524
E-2	$1,377	$16,524
E-3	$1,377	$16,524
E-4	$1,377	$16,524
E-5	$1,533	$18,396
E-6	$1,704	$20,448
E-7	$1,815	$21,780
E-8	$2,052	$24,624
E-9	$2,127	$25,524
Warrant Officer
W-1	$1,758	$21,096
W-2	$2,049	$24,588
W-3	$2,139	$25,668
W-4	$2,277	$27,324
W-5	$2,325	$27,900
Commissioned Officer (Prior Enlisted)
O-1E	$1,986	$23,832
O-2E	$2,109	$25,308
O-3E	$2,265	$27,180
Commissioned Officer
O-1	$1,626	$19,512
O-2	$1,932	$23,184
O-3	$2,166	$25,992
O-4	$2,310	$27,720
O-5	$2,331	$27,972
O-6	$2,373	$28,476
O-7	$2,412	$28,944

34 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Louisville (KY109) Military Housing Area:

40023 40059 40118 40202 40203 40204 40205 40206 40207 40208 40209 40210 40211 40212 40213 40214 40215 40216 40217 40218 40219 40220 40222 40223 40228 40229 40241 40242 40243 40245 40258 40272 40291 40299

Frequently Asked Questions

What is the BAH rate for an E-5 in Louisville?

The 2026 BAH rate for an E-5 with dependents in Louisville, KY is $1,989 per month ($23,868 per year). Without dependents, the rate is $1,533 per month.

How many ZIP codes are in the Louisville MHA?

The Louisville Military Housing Area (KY109) includes 34 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.