Updated February 2026

BAH Rates Chattanooga, TN 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Chattanooga military housing area (MHA: TN266), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,986

$23,832/year

E-5 without Dependents

$1,629

$19,548/year

O-3 with Dependents

$2,520

$30,240/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,863	$22,356
E-2	$1,863	$22,356
E-3	$1,863	$22,356
E-4	$1,863	$22,356
E-5	$1,986	$23,832
E-6	$2,397	$28,764
E-7	$2,445	$29,340
E-8	$2,490	$29,880
E-9	$2,631	$31,572
Warrant Officer
W-1	$2,418	$29,016
W-2	$2,463	$29,556
W-3	$2,523	$30,276
W-4	$2,670	$32,040
W-5	$2,856	$34,272
Commissioned Officer (Prior Enlisted)
O-1E	$2,448	$29,376
O-2E	$2,511	$30,132
O-3E	$2,700	$32,400
Commissioned Officer
O-1	$2,043	$24,516
O-2	$2,394	$28,728
O-3	$2,520	$30,240
O-4	$2,916	$34,992
O-5	$3,201	$38,412
O-6	$3,228	$38,736
O-7	$3,249	$38,988

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,446	$17,352
E-2	$1,446	$17,352
E-3	$1,446	$17,352
E-4	$1,446	$17,352
E-5	$1,629	$19,548
E-6	$1,797	$21,564
E-7	$1,863	$22,356
E-8	$2,073	$24,876
E-9	$2,193	$26,316
Warrant Officer
W-1	$1,830	$21,960
W-2	$2,070	$24,840
W-3	$2,208	$26,496
W-4	$2,403	$28,836
W-5	$2,454	$29,448
Commissioned Officer (Prior Enlisted)
O-1E	$1,983	$23,796
O-2E	$2,166	$25,992
O-3E	$2,391	$28,692
Commissioned Officer
O-1	$1,734	$20,808
O-2	$1,950	$23,400
O-3	$2,247	$26,964
O-4	$2,436	$29,232
O-5	$2,460	$29,520
O-6	$2,499	$29,988
O-7	$2,541	$30,492

25 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Chattanooga (TN266) Military Housing Area:

37302 37308 37341 37343 37350 37351 37363 37373 37377 37379 37402 37403 37404 37405 37406 37407 37408 37409 37410 37411 37412 37415 37416 37419 37421

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Chattanooga, TN is $1,986 per month ($23,832 per year). Without dependents, the rate is $1,629 per month.

How many ZIP codes are in the Chattanooga MHA?

The Chattanooga Military Housing Area (TN266) includes 25 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 Tennessee BAH rates →

How Chattanooga, TN BAH compares nationally

BAH for Chattanooga, TN comes in below the national average — $1,986/mo for an E-5 with dependents, 13.2% under the $2,289 average across 299 MHAs (175th overall).

Statewide, this ranks 4th of 5 MHAs — between Nashville, TN ($2,268/mo, highest) and Johnson City/Kingsport, TN ($1,548/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $451/mo (26.9%) 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.