Military Pay
2025 Military Pay Charts
Military members saw a 4.5% increase in 2025, with junior enlisted members seeing an additional 10% boost in the spring to bring the raise to roughly 14.5%.
Basic Allowance for Housing (BAH) rates in Tennessee increased for 2026. The national average increased by 4.2%, while Tennessee duty stations received a similar average increase.
Below are the local BAH rates charts for Military Housing Areas in Tennessee. The Department of Defense (also known as the Department of War) determines BAH rates by location, pay grade (rank) and if a soldier has dependents.
See 2026 Basic Allowance for Housing (BAH) rates here.
CHATTANOOGA, TN BAH Rates
Military Housing Area: TN266
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,863 | $1,446 |
| E02 | $1,863 | $1,446 |
| E03 | $1,863 | $1,446 |
| E04 | $1,863 | $1,446 |
| E05 | $1,986 | $1,629 |
| E06 | $2,397 | $1,797 |
| E07 | $2,445 | $1,863 |
| E08 | $2,490 | $2,073 |
| E09 | $2,631 | $2,193 |
| W01 | $2,418 | $1,830 |
| W02 | $2,463 | $2,070 |
| W03 | $2,523 | $2,208 |
| W04 | $2,670 | $2,403 |
| W05 | $2,856 | $2,454 |
| O01E | $2,448 | $1,983 |
| O02E | $2,511 | $2,166 |
| O03E | $2,700 | $2,391 |
| O01 | $2,043 | $1,734 |
| O02 | $2,394 | $1,950 |
| O03 | $2,520 | $2,247 |
| O04 | $2,916 | $2,436 |
| O05 | $3,201 | $2,460 |
| O06 | $3,228 | $2,499 |
| O07 | $3,249 | $2,541 |
KNOXVILLE, TN BAH Rates
Military Housing Area: TN267
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,058 | $1,599 |
| E02 | $2,058 | $1,599 |
| E03 | $2,058 | $1,599 |
| E04 | $2,058 | $1,599 |
| E05 | $2,184 | $1,809 |
| E06 | $2,649 | $1,986 |
| E07 | $2,745 | $2,061 |
| E08 | $2,844 | $2,283 |
| E09 | $3,000 | $2,418 |
| W01 | $2,670 | $2,028 |
| W02 | $2,784 | $2,280 |
| W03 | $2,907 | $2,436 |
| W04 | $3,036 | $2,667 |
| W05 | $3,195 | $2,766 |
| O01E | $2,760 | $2,181 |
| O02E | $2,889 | $2,388 |
| O03E | $3,060 | $2,643 |
| O01 | $2,247 | $1,929 |
| O02 | $2,646 | $2,148 |
| O03 | $2,904 | $2,481 |
| O04 | $3,243 | $2,742 |
| O05 | $3,492 | $2,796 |
| O06 | $3,519 | $2,886 |
| O07 | $3,543 | $2,934 |
MEMPHIS, TN BAH Rates
Military Housing Area: TN268
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,992 | $1,530 |
| E02 | $1,992 | $1,530 |
| E03 | $1,992 | $1,530 |
| E04 | $1,992 | $1,530 |
| E05 | $2,154 | $1,719 |
| E06 | $2,319 | $1,839 |
| E07 | $2,337 | $1,995 |
| E08 | $2,346 | $2,193 |
| E09 | $2,376 | $2,232 |
| W01 | $2,334 | $1,944 |
| W02 | $2,343 | $2,190 |
| W03 | $2,355 | $2,238 |
| W04 | $2,394 | $2,310 |
| W05 | $2,484 | $2,322 |
| O01E | $2,340 | $2,151 |
| O02E | $2,349 | $2,220 |
| O03E | $2,409 | $2,307 |
| O01 | $2,181 | $1,824 |
| O02 | $2,316 | $2,103 |
| O03 | $2,352 | $2,253 |
| O04 | $2,508 | $2,313 |
| O05 | $2,643 | $2,325 |
| O06 | $2,661 | $2,328 |
| O07 | $2,679 | $2,343 |
NASHVILLE, TN BAH Rates
Military Housing Area: TN269
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,112 | $1,722 |
| E02 | $2,112 | $1,722 |
| E03 | $2,112 | $1,722 |
| E04 | $2,112 | $1,722 |
| E05 | $2,268 | $1,869 |
| E06 | $2,673 | $2,004 |
| E07 | $2,712 | $2,118 |
| E08 | $2,754 | $2,355 |
| E09 | $2,853 | $2,469 |
| W01 | $2,694 | $2,070 |
| W02 | $2,730 | $2,352 |
| W03 | $2,787 | $2,484 |
| W04 | $2,877 | $2,676 |
| W05 | $2,997 | $2,721 |
| O01E | $2,718 | $2,265 |
| O02E | $2,772 | $2,442 |
| O03E | $2,898 | $2,667 |
| O01 | $2,322 | $1,953 |
| O02 | $2,670 | $2,220 |
| O03 | $2,784 | $2,523 |
| O04 | $3,033 | $2,706 |
| O05 | $3,219 | $2,724 |
| O06 | $3,243 | $2,760 |
| O07 | $3,264 | $2,808 |
JOHNSON CITY/KINGSPORT, TN BAH Rates
Military Housing Area: TN353
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,467 | $1,125 |
| E02 | $1,467 | $1,125 |
| E03 | $1,467 | $1,125 |
| E04 | $1,467 | $1,125 |
| E05 | $1,548 | $1,287 |
| E06 | $2,124 | $1,593 |
| E07 | $2,205 | $1,653 |
| E08 | $2,292 | $1,719 |
| E09 | $2,433 | $1,839 |
| W01 | $2,145 | $1,611 |
| W02 | $2,241 | $1,680 |
| W03 | $2,346 | $1,860 |
| W04 | $2,466 | $2,139 |
| W05 | $2,616 | $2,223 |
| O01E | $2,220 | $1,665 |
| O02E | $2,331 | $1,800 |
| O03E | $2,490 | $2,118 |
| O01 | $1,623 | $1,380 |
| O02 | $2,118 | $1,656 |
| O03 | $2,343 | $1,914 |
| O04 | $2,664 | $2,202 |
| O05 | $2,895 | $2,247 |
| O06 | $2,919 | $2,325 |
| O07 | $2,937 | $2,364 |
About half the U.S. Counties (about 1,500) have little to no military population. While half the zip codes is significant, less than two percent of service members that are eligible for BAH are within these counties. In order to account for these service members there are approximately 30 separate County Cost Groups (CCGs) assigned, each with similar housing costs. Use the BAH Calculator to enter your zip code to determine your Military Housing Area, also known as your County Cost Group. They range from ZZ510 to ZZ890 in increments of 10.
Military Bases in Tennessee:
- Arnold AFB, Tullahoma, TN
- NSA Mid-South, Millington, TN
- USAREC, Nashville Battalion, TN
- Holston Army Plant in Kingsport, TN
- Milan Army Ammunition Plant in Milan, TN
Basic Allowance for Housing rates listed are for all branches of the military; Air Force, Army, Coast Guard, Marines, Navy, Space Force and Reserves forces, where applicable. BAH rates in high-cost areas will be much greater than those in low-cost areas.
Veterans, dependents, National Guard and reserves can use the MHA Calculator to see estimated monthly payments. Active Duty service members should use the BAH Calculator or tables to see estimated payments. Both BAH and MHA benefits are based off the same payment tables but benefit amounts do vary based on different calculations.
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Jon Rehagan is a 2-time Emmy Award-winning journalist who covers financial topics and military news for the veteran community. With 16 years in broadcast media (including roles in radio and television) Jon has spent his career writing, shooting, editing, and producing everything from long-form investigative specials to daily news broadcasts and digital content. His work has been recognized by the Kansas Association of Broadcasters, and he brings that same commitment to accurate, accessible reporting to helping service members, veterans, and military families navigate complex benefits and financial decisions.
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Andrew Stamp served in U.S. Army special forces for more than 10 years and is currently pursuing his Chartered Financial Consultant (ChFC).
