Updated February 2026
BAH Rates in Tennessee 2026
There are 5 military housing areas in Tennessee. In 2026, BAH rates for an E-5 with dependents range from $1,548/month in Johnson City/Kingsport to $2,268/month in Nashville. 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
$2,268
Nashville
Lowest E-5 w/Dep
$1,548
Johnson City/Kingsport
Housing Areas
5
MHAs in TN
| Location | E-5 w/Dep | E-5 w/o Dep | O-3 w/Dep |
|---|---|---|---|
| Chattanooga | $1,986 | $1,629 | $2,520 |
| Johnson City/Kingsport | $1,548 | $1,287 | $2,343 |
| Knoxville | $2,184 | $1,809 | $2,904 |
| Memphis | $2,154 | $1,719 | $2,352 |
| Nashville | $2,268 | $1,869 | $2,784 |
How Tennessee BAH compares
Tennessee's 5 military housing areas average $2,028/mo for an E-5 with dependents — 11.4% below the national MHA average of $2,289. The spread inside the state is real money: Nashville, TN tops the table at $2,268/mo while Johnson City/Kingsport, TN sits at $1,548/mo — a $720 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.