Updated February 2026

BAH Rates Memphis, TN 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Memphis military housing area (MHA: TN268), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,154

$25,848/year

E-5 without Dependents

$1,719

$20,628/year

O-3 with Dependents

$2,352

$28,224/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,992	$23,904
E-2	$1,992	$23,904
E-3	$1,992	$23,904
E-4	$1,992	$23,904
E-5	$2,154	$25,848
E-6	$2,319	$27,828
E-7	$2,337	$28,044
E-8	$2,346	$28,152
E-9	$2,376	$28,512
Warrant Officer
W-1	$2,334	$28,008
W-2	$2,343	$28,116
W-3	$2,355	$28,260
W-4	$2,394	$28,728
W-5	$2,484	$29,808
Commissioned Officer (Prior Enlisted)
O-1E	$2,340	$28,080
O-2E	$2,349	$28,188
O-3E	$2,409	$28,908
Commissioned Officer
O-1	$2,181	$26,172
O-2	$2,316	$27,792
O-3	$2,352	$28,224
O-4	$2,508	$30,096
O-5	$2,643	$31,716
O-6	$2,661	$31,932
O-7	$2,679	$32,148

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,530	$18,360
E-2	$1,530	$18,360
E-3	$1,530	$18,360
E-4	$1,530	$18,360
E-5	$1,719	$20,628
E-6	$1,839	$22,068
E-7	$1,995	$23,940
E-8	$2,193	$26,316
E-9	$2,232	$26,784
Warrant Officer
W-1	$1,944	$23,328
W-2	$2,190	$26,280
W-3	$2,238	$26,856
W-4	$2,310	$27,720
W-5	$2,322	$27,864
Commissioned Officer (Prior Enlisted)
O-1E	$2,151	$25,812
O-2E	$2,220	$26,640
O-3E	$2,307	$27,684
Commissioned Officer
O-1	$1,824	$21,888
O-2	$2,103	$25,236
O-3	$2,253	$27,036
O-4	$2,313	$27,756
O-5	$2,325	$27,900
O-6	$2,328	$27,936
O-7	$2,343	$28,116

35 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Memphis (TN268) Military Housing Area:

38002 38017 38018 38028 38053 38103 38104 38105 38106 38107 38108 38109 38111 38112 38114 38115 38116 38117 38118 38119 38120 38122 38125 38126 38127 38128 38131 38132 38133 38134 38135 38138 38139 38141 38157

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Memphis, TN is $2,154 per month ($25,848 per year). Without dependents, the rate is $1,719 per month.

How many ZIP codes are in the Memphis MHA?

The Memphis Military Housing Area (TN268) includes 35 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.