E-3 BAH Rates in Chattanooga, TN (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an E-3 (Private First Class (PFC)) stationed in Chattanooga, TN is $1,863 per month with dependents and $1,446 per month without dependents. This rate is $266 below the national average for E-3.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-3 base pay of $3,015/mo (at 2 years of service) and BAS of $476.95/mo, total monthly compensation in Chattanooga is approximately $5,354.95 with dependents or $4,937.95 without.

E-3 BAH: Chattanooga vs National Average

	Chattanooga	National Avg	Difference
With Dependents	$1,863	$2,129	−$266
Without Dependents	$1,446	$1,683	−$237

E-3 Total Monthly Compensation in Chattanooga

Here is how E-3 pay breaks down for a service member with 2 years of service stationed in Chattanooga:

Component	With Dependents	Without Dependents
Base Pay	$3,015	$3,015
BAH	$1,863	$1,446
BAS	$476.95	$476.95
Total	$5,354.95	$4,937.95

Base pay shown for 2 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 Chattanooga

• E-4 — $1,863/mo
• E-5 — $1,986/mo
• E-6 — $2,397/mo
• E-7 — $2,445/mo
• O-1 — $2,043/mo
• O-2 — $2,394/mo
• O-3 — $2,520/mo

Frequently Asked Questions

What is the 2026 BAH rate for E-3 in Chattanooga?

The 2026 E-3 BAH rate in Chattanooga is $1,863/mo with dependents and $1,446/mo without dependents.

What is the total monthly pay for E-3 in Chattanooga?

An E-3 with 2 years of service in Chattanooga earns approximately $5,354.95/mo total compensation with dependents (base pay $3,015 + BAH $1,863 + BAS $476.95). Without dependents: $4,937.95/mo.

Is Chattanooga BAH above or below average?

E-3 BAH in Chattanooga is $266 below the national average of $2,129/mo with dependents.

View all Tennessee BAH rates →