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.

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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.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all Kentucky BAH rates →

How Louisville, KY BAH compares nationally

BAH for Louisville, KY comes in below the national average — $1,989/mo for an E-5 with dependents, 13.1% under the $2,289 average across 299 MHAs (171st overall).

Within the state, this is the highest-rate MHA of 6; the lowest is Paducah, KY at $1,365/mo for the same E-5 — a $624 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $436/mo (27.6%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.