O-2 BAH Rates in CHATTANOOGA, TN (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in CHATTANOOGA, TN is $2,394 per month with dependents and $1,950 per month without dependents. This rate is $214 below the national average for O-2.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in CHATTANOOGA is approximately $9,206.98 with dependents or $8,762.98 without.
O-2 BAH: CHATTANOOGA vs National Average
| CHATTANOOGA | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,394 | $2,608 | $-214 |
| Without Dependents | $1,950 | $2,243 | $-293 |
O-2 Total Monthly Compensation in CHATTANOOGA
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in CHATTANOOGA:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $2,394 | $1,950 |
| BAS | $328.48 | $328.48 |
| Total | $9,206.98 | $8,762.98 |
Base pay shown for 4 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-1 — $2,043/mo
- O-3 — $2,520/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in CHATTANOOGA?
The 2026 O-2 BAH rate in CHATTANOOGA is $2,394/mo with dependents and $1,950/mo without dependents.
What is the total monthly pay for O-2 in CHATTANOOGA?
An O-2 with 4 years of service in CHATTANOOGA earns approximately $9,206.98/mo total compensation with dependents (base pay $6,484.5 + BAH $2,394 + BAS $328.48). Without dependents: $8,762.98/mo.
Is CHATTANOOGA BAH above or below average?
O-2 BAH in CHATTANOOGA is $214 below the national average of $2,608/mo with dependents.