E-5 BAH Rates in Memphis, TN (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an E-5 (Sergeant (SGT)) stationed in Memphis, TN is $2,154 per month with dependents and $1,719 per month without dependents. This rate is $135 below the national average for E-5.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-5 base pay of $4,110/mo (at 6 years of service) and BAS of $476.95/mo, total monthly compensation in Memphis is approximately $6,740.95 with dependents or $6,305.95 without.

E-5 BAH: Memphis vs National Average

	Memphis	National Avg	Difference
With Dependents	$2,154	$2,289	−$135
Without Dependents	$1,719	$1,871	−$152

E-5 Total Monthly Compensation in Memphis

Here is how E-5 pay breaks down for a service member with 6 years of service stationed in Memphis:

Component	With Dependents	Without Dependents
Base Pay	$4,110	$4,110
BAH	$2,154	$1,719
BAS	$476.95	$476.95
Total	$6,740.95	$6,305.95

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 Memphis

• E-3 — $1,992/mo
• E-4 — $1,992/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-5 in Memphis?

The 2026 E-5 BAH rate in Memphis is $2,154/mo with dependents and $1,719/mo without dependents.

What is the total monthly pay for E-5 in Memphis?

An E-5 with 6 years of service in Memphis earns approximately $6,740.95/mo total compensation with dependents (base pay $4,110 + BAH $2,154 + BAS $476.95). Without dependents: $6,305.95/mo.

Is Memphis BAH above or below average?

E-5 BAH in Memphis is $135 below the national average of $2,289/mo with dependents.

View all Tennessee BAH rates →