Updated February 2026

BAH Rates Paducah, KY 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Paducah military housing area (MHA: KY430), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,365

$16,380/year

E-5 without Dependents

$1,143

$13,716/year

O-3 with Dependents

$2,031

$24,372/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,293	$15,516
E-2	$1,293	$15,516
E-3	$1,293	$15,516
E-4	$1,293	$15,516
E-5	$1,365	$16,380
E-6	$1,875	$22,500
E-7	$1,932	$23,184
E-8	$1,992	$23,904
E-9	$2,136	$25,632
Warrant Officer
W-1	$1,896	$22,752
W-2	$1,956	$23,472
W-3	$2,034	$24,408
W-4	$2,175	$26,100
W-5	$2,355	$28,260
Commissioned Officer (Prior Enlisted)
O-1E	$1,941	$23,292
O-2E	$2,019	$24,228
O-3E	$2,205	$26,460
Commissioned Officer
O-1	$1,434	$17,208
O-2	$1,872	$22,464
O-3	$2,031	$24,372
O-4	$2,415	$28,980
O-5	$2,694	$32,328
O-6	$2,712	$32,544
O-7	$2,730	$32,760

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,029	$12,348
E-2	$1,029	$12,348
E-3	$1,029	$12,348
E-4	$1,029	$12,348
E-5	$1,143	$13,716
E-6	$1,407	$16,884
E-7	$1,449	$17,388
E-8	$1,494	$17,928
E-9	$1,623	$19,476
Warrant Officer
W-1	$1,422	$17,064
W-2	$1,470	$17,640
W-3	$1,641	$19,692
W-4	$1,884	$22,608
W-5	$1,944	$23,328
Commissioned Officer (Prior Enlisted)
O-1E	$1,455	$17,460
O-2E	$1,587	$19,044
O-3E	$1,869	$22,428
Commissioned Officer
O-1	$1,215	$14,580
O-2	$1,452	$17,424
O-3	$1,689	$20,268
O-4	$1,929	$23,148
O-5	$2,022	$24,264
O-6	$2,034	$24,408
O-7	$2,049	$24,588

4 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Paducah (KY430) Military Housing Area:

42001 42003 42053 42086

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Paducah, KY is $1,365 per month ($16,380 per year). Without dependents, the rate is $1,143 per month.

How many ZIP codes are in the Paducah MHA?

The Paducah Military Housing Area (KY430) includes 4 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 Paducah, KY BAH compares nationally

This is one of the country's lower-cost military housing areas: 285th of 299 MHAs, with an E-5-with-dependents rate of $1,365/mo — 40.4% under the $2,289 national average. Lower BAH cuts both ways: the allowance is smaller, but it typically stretches further against local rents.

This is the lowest-rate MHA of the 6 in the state; the highest, Louisville, KY, pays the same E-5 $624 more per month.

Across enlisted grades here, having dependents adds an average of $360/mo (28.2%) 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.