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

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Chattanooga, TN is $2,520 per month with dependents and $2,247 per month without dependents. This rate is $339 below the national average for O-3.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in Chattanooga is approximately $10,585.48 with dependents or $10,312.48 without.

O-3 BAH: Chattanooga vs National Average

	Chattanooga	National Avg	Difference
With Dependents	$2,520	$2,859	−$339
Without Dependents	$2,247	$2,493	−$246

O-3 Total Monthly Compensation in Chattanooga

Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Chattanooga:

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$2,520	$2,247
BAS	$328.48	$328.48
Total	$10,585.48	$10,312.48

Base pay shown for 6 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-2 — $2,394/mo

Frequently Asked Questions

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

The 2026 O-3 BAH rate in Chattanooga is $2,520/mo with dependents and $2,247/mo without dependents.

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

An O-3 with 6 years of service in Chattanooga earns approximately $10,585.48/mo total compensation with dependents (base pay $7,737 + BAH $2,520 + BAS $328.48). Without dependents: $10,312.48/mo.

Is Chattanooga BAH above or below average?

O-3 BAH in Chattanooga is $339 below the national average of $2,859/mo with dependents.

View all Tennessee BAH rates →