O-2 BAH Rates in Memphis, TN (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Memphis, TN is $2,316 per month with dependents and $2,103 per month without dependents. This rate is $292 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 Memphis is approximately $9,128.98 with dependents or $8,915.98 without.

O-2 BAH: Memphis vs National Average

	Memphis	National Avg	Difference
With Dependents	$2,316	$2,608	−$292
Without Dependents	$2,103	$2,243	−$140

O-2 Total Monthly Compensation in Memphis

Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Memphis:

Component	With Dependents	Without Dependents
Base Pay	$6,484.5	$6,484.5
BAH	$2,316	$2,103
BAS	$328.48	$328.48
Total	$9,128.98	$8,915.98

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 Memphis

• E-3 — $1,992/mo
• 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-3 — $2,352/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-2 in Memphis?

The 2026 O-2 BAH rate in Memphis is $2,316/mo with dependents and $2,103/mo without dependents.

What is the total monthly pay for O-2 in Memphis?

An O-2 with 4 years of service in Memphis earns approximately $9,128.98/mo total compensation with dependents (base pay $6,484.5 + BAH $2,316 + BAS $328.48). Without dependents: $8,915.98/mo.

Is Memphis BAH above or below average?

O-2 BAH in Memphis is $292 below the national average of $2,608/mo with dependents.

View all Tennessee BAH rates →