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

The 2026 Basic Allowance for Housing (BAH) rate for an E-3 (Private First Class (PFC)) stationed in Memphis, TN is $1,992 per month with dependents and $1,530 per month without dependents. This rate is $137 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 Memphis is approximately $5,483.95 with dependents or $5,021.95 without.

E-3 BAH: Memphis vs National Average

	Memphis	National Avg	Difference
With Dependents	$1,992	$2,129	−$137
Without Dependents	$1,530	$1,683	−$153

E-3 Total Monthly Compensation in Memphis

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

Component	With Dependents	Without Dependents
Base Pay	$3,015	$3,015
BAH	$1,992	$1,530
BAS	$476.95	$476.95
Total	$5,483.95	$5,021.95

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 Memphis

• E-4 — $1,992/mo
• E-5 — $2,154/mo
• E-6 — $2,319/mo
• E-7 — $2,337/mo
• O-1 — $2,181/mo
• O-2 — $2,316/mo
• O-3 — $2,352/mo

Frequently Asked Questions

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

The 2026 E-3 BAH rate in Memphis is $1,992/mo with dependents and $1,530/mo without dependents.

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

An E-3 with 2 years of service in Memphis earns approximately $5,483.95/mo total compensation with dependents (base pay $3,015 + BAH $1,992 + BAS $476.95). Without dependents: $5,021.95/mo.

Is Memphis BAH above or below average?

E-3 BAH in Memphis is $137 below the national average of $2,129/mo with dependents.

View all Tennessee BAH rates →