2025 Tennessee BAH (Basic Allowance for Housing) Rates

Basic Allowance for Housing (BAH) rates in Tennessee increased for 2025. The national average increased by 5.4%, 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 determines BAH rates by location, pay grade (rank) and if a soldier has dependents.

See 2025 Basic Allowance for Housing (BAH) rates here.

CHATTANOOGA, TN BAH Rates

Military Housing Area: TN266

Grade	With Dependents	Without Dependents
E01	$1,851	$1,440
E02	$1,851	$1,440
E03	$1,851	$1,440
E04	$1,851	$1,440
E05	$1,950	$1,635
E06	$2,424	$1,818
E07	$2,448	$1,851
E08	$2,457	$2,049
E09	$2,556	$2,187
W01	$2,445	$1,833
W02	$2,454	$2,046
W03	$2,466	$2,205
W04	$2,604	$2,421
W05	$2,808	$2,433
O01E	$2,451	$1,947
O02E	$2,460	$2,154
O03E	$2,634	$2,418
O01	$2,013	$1,749
O02	$2,421	$1,920
O03	$2,463	$2,253
O04	$2,880	$2,424
O05	$3,198	$2,436
O06	$3,225	$2,439
O07	$3,249	$2,460

BAH for CHATTANOOGA, TN includes the following zip codes: 30726, 30736, 30742, 37302, 37304, 37308, 37315, 37341, 37343, 37350, 37351, 37363, 37373, 37377, 37379, 37384, 37401, 37402, 37403, 37404, 37405, 37406, 37407, 37408, 37409, 37410, 37411, 37412, 37414, 37415, 37416, 37419, 37421, 37422, 37424, 37450

KNOXVILLE, TN BAH Rates

Military Housing Area: TN267

Grade	With Dependents	Without Dependents
E01	$1,923	$1,479
E02	$1,923	$1,479
E03	$1,923	$1,479
E04	$1,923	$1,479
E05	$2,052	$1,680
E06	$2,457	$1,842
E07	$2,553	$1,926
E08	$2,655	$2,136
E09	$2,817	$2,250
W01	$2,475	$1,890
W02	$2,598	$2,133
W03	$2,724	$2,268
W04	$2,853	$2,475
W05	$3,009	$2,577
O01E	$2,568	$2,049
O02E	$2,706	$2,226
O03E	$2,874	$2,448
O01	$2,106	$1,791
O02	$2,454	$2,013
O03	$2,721	$2,307
O04	$3,063	$2,553
O05	$3,303	$2,610
O06	$3,330	$2,706
O07	$3,357	$2,754

BAH for KNOXVILLE, TN includes the following zip codes: 37701, 37705, 37710, 37716, 37717, 37721, 37737, 37754, 37769, 37777, 37801, 37802, 37803, 37804, 37806, 37828, 37830, 37831, 37849, 37853, 37878, 37882, 37886, 37901, 37902, 37909, 37912, 37914, 37915, 37916, 37917, 37918, 37919, 37920, 37921, 37922, 37923, 37924, 37927, 37928, 37929, 37930, 37931, 37932, 37933, 37934, 37938, 37939, 37940, 37950, 37995, 37996, 37997, 37998

MEMPHIS, TN BAH Rates

Military Housing Area: TN268

Grade	With Dependents	Without Dependents
E01	$2,064	$1,590
E02	$2,064	$1,590
E03	$2,064	$1,590
E04	$2,064	$1,590
E05	$2,208	$1,800
E06	$2,319	$1,932
E07	$2,337	$2,067
E08	$2,346	$2,235
E09	$2,376	$2,253
W01	$2,334	$2,025
W02	$2,343	$2,232
W03	$2,355	$2,262
W04	$2,397	$2,307
W05	$2,493	$2,319
O01E	$2,340	$2,205
O02E	$2,349	$2,250
O03E	$2,409	$2,304
O01	$2,229	$1,917
O02	$2,316	$2,163
O03	$2,352	$2,271
O04	$2,523	$2,310
O05	$2,664	$2,322
O06	$2,688	$2,325
O07	$2,706	$2,343

BAH for MEMPHIS, TN includes the following zip codes: 37501, 37544, 38002, 38004, 38011, 38014, 38015, 38016, 38017, 38018, 38019, 38023, 38027, 38028, 38029, 38049, 38053, 38054, 38055, 38058, 38071, 38083, 38088, 38101, 38103, 38104, 38105, 38106, 38107, 38108, 38109, 38111, 38112, 38113, 38114, 38115, 38116, 38117, 38118, 38119, 38120, 38122, 38124, 38125, 38126, 38127, 38128, 38130, 38131, 38132, 38133, 38134, 38135, 38136, 38137, 38138, 38139, 38141, 38145, 38148, 38150, 38151, 38152, 38157, 38159, 38161, 38163, 38166, 38167, 38168, 38173, 38174, 38175, 38177, 38181, 38182, 38183, 38184, 38186, 38187, 38188, 38190, 38193, 38194, 38197

NASHVILLE, TN BAH Rates

Military Housing Area: TN269

Grade	With Dependents	Without Dependents
E01	$2,133	$1,746
E02	$2,133	$1,746
E03	$2,133	$1,746
E04	$2,133	$1,746
E05	$2,265	$1,905
E06	$2,652	$2,007
E07	$2,682	$2,136
E08	$2,712	$2,346
E09	$2,799	$2,454
W01	$2,670	$2,097
W02	$2,697	$2,343
W03	$2,739	$2,469
W04	$2,823	$2,652
W05	$2,931	$2,688
O01E	$2,685	$2,262
O02E	$2,730	$2,430
O03E	$2,838	$2,643
O01	$2,319	$1,995
O02	$2,649	$2,226
O03	$2,736	$2,511
O04	$2,967	$2,676
O05	$3,129	$2,691
O06	$3,156	$2,718
O07	$3,180	$2,766

BAH for NASHVILLE, TN includes the following zip codes: 37011, 37013, 37014, 37024, 37027, 37037, 37046, 37060, 37062, 37063, 37064, 37065, 37067, 37068, 37069, 37070, 37072, 37076, 37080, 37085, 37086, 37089, 37115, 37116, 37118, 37127, 37128, 37129, 37130, 37131, 37132, 37133, 37135, 37138, 37153, 37167, 37179, 37189, 37201, 37202, 37203, 37204, 37205, 37206, 37207, 37208, 37209, 37210, 37211, 37212, 37213, 37214, 37215, 37216, 37217, 37218, 37219, 37220, 37221, 37222, 37224, 37227, 37228, 37229, 37230, 37232, 37234, 37235, 37236, 37238, 37240, 37241, 37242, 37243, 37244, 37246, 37250, 38476

JOHNSON CITY/KINGSPORT, TN BAH Rates

Military Housing Area: TN353

Grade	With Dependents	Without Dependents
E01	$1,407	$1,101
E02	$1,407	$1,101
E03	$1,407	$1,101
E04	$1,407	$1,101
E05	$1,485	$1,242
E06	$1,986	$1,491
E07	$2,070	$1,554
E08	$2,157	$1,617
E09	$2,307	$1,734
W01	$2,007	$1,506
W02	$2,106	$1,587
W03	$2,217	$1,755
W04	$2,343	$2,004
W05	$2,499	$2,091
O01E	$2,082	$1,563
O02E	$2,202	$1,701
O03E	$2,364	$1,980
O01	$1,551	$1,326
O02	$1,983	$1,557
O03	$2,214	$1,806
O04	$2,553	$2,070
O05	$2,793	$2,115
O06	$2,817	$2,196
O07	$2,838	$2,235

BAH for JOHNSON CITY/KINGSPORT, TN includes the following zip codes: 24201, 24203, 24205, 24209, 37601, 37602, 37604, 37605, 37614, 37615, 37617, 37618, 37620, 37621, 37625, 37642, 37643, 37644, 37645, 37656, 37658, 37659, 37660, 37662, 37663, 37664, 37665, 37669, 37681, 37682, 37684, 37686, 37687, 37690, 37694, 37699, 37711, 37731, 37811, 37857, 37873

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.