O-1 BAH Rates in CHATTANOOGA, TN (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in CHATTANOOGA, TN is $2,043 per month with dependents and $1,734 per month without dependents. This rate is $292 below the national average for O-1.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-1 base pay of $4,320/mo (at 2 years of service) and BAS of $328.48/mo, total monthly compensation in CHATTANOOGA is approximately $6,691.48 with dependents or $6,382.48 without.
O-1 BAH: CHATTANOOGA vs National Average
| CHATTANOOGA | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,043 | $2,335 | $-292 |
| Without Dependents | $1,734 | $1,975 | $-241 |
O-1 Total Monthly Compensation in CHATTANOOGA
Here is how O-1 pay breaks down for a service member with 2 years of service stationed in CHATTANOOGA:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,320 | $4,320 |
| BAH | $2,043 | $1,734 |
| BAS | $328.48 | $328.48 |
| Total | $6,691.48 | $6,382.48 |
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-3 — $1,863/mo
- E-4 — $1,863/mo
- E-5 — $1,986/mo
- E-6 — $2,397/mo
- E-7 — $2,445/mo
- O-2 — $2,394/mo
- O-3 — $2,520/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-1 in CHATTANOOGA?
The 2026 O-1 BAH rate in CHATTANOOGA is $2,043/mo with dependents and $1,734/mo without dependents.
What is the total monthly pay for O-1 in CHATTANOOGA?
An O-1 with 2 years of service in CHATTANOOGA earns approximately $6,691.48/mo total compensation with dependents (base pay $4,320 + BAH $2,043 + BAS $328.48). Without dependents: $6,382.48/mo.
Is CHATTANOOGA BAH above or below average?
O-1 BAH in CHATTANOOGA is $292 below the national average of $2,335/mo with dependents.