O-2 BAH Rates in Louisville, KY (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Louisville, KY is $2,271 per month with dependents and $1,932 per month without dependents. This rate is $337 below the national average for O-2.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in Louisville is approximately $9,083.98 with dependents or $8,744.98 without.

O-2 BAH: Louisville vs National Average

	Louisville	National Avg	Difference
With Dependents	$2,271	$2,608	−$337
Without Dependents	$1,932	$2,243	−$311

O-2 Total Monthly Compensation in Louisville

Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Louisville:

Component	With Dependents	Without Dependents
Base Pay	$6,484.5	$6,484.5
BAH	$2,271	$1,932
BAS	$328.48	$328.48
Total	$9,083.98	$8,744.98

Base pay shown for 4 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.

Other Ranks in Louisville

• E-3 — $1,809/mo
• E-4 — $1,809/mo
• E-5 — $1,989/mo
• E-6 — $2,274/mo
• E-7 — $2,316/mo
• O-1 — $2,031/mo
• O-3 — $2,394/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-2 in Louisville?

The 2026 O-2 BAH rate in Louisville is $2,271/mo with dependents and $1,932/mo without dependents.

What is the total monthly pay for O-2 in Louisville?

An O-2 with 4 years of service in Louisville earns approximately $9,083.98/mo total compensation with dependents (base pay $6,484.5 + BAH $2,271 + BAS $328.48). Without dependents: $8,744.98/mo.

Is Louisville BAH above or below average?

O-2 BAH in Louisville is $337 below the national average of $2,608/mo with dependents.

View all Kentucky BAH rates →