2026 BAH Rates — Chattanooga, TN
2026 Basic Allowance for Housing (BAH) for Chattanooga, TN (Military Housing Area TN266), effective January 1, 2026. BAH is a tax-free monthly allowance set by your duty-station ZIP code, pay grade, and whether you have dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,863 | $1,446 |
| E-2 | $1,863 | $1,446 |
| E-3 | $1,863 | $1,446 |
| E-4 | $1,863 | $1,446 |
| E-5 | $1,986 | $1,629 |
| E-6 | $2,397 | $1,797 |
| E-7 | $2,445 | $1,863 |
| E-8 | $2,490 | $2,073 |
| E-9 | $2,631 | $2,193 |
| W-1 | $2,418 | $1,830 |
| W-2 | $2,463 | $2,070 |
| W-3 | $2,523 | $2,208 |
| W-4 | $2,670 | $2,403 |
| W-5 | $2,856 | $2,454 |
| O-1E | $2,448 | $1,983 |
| O-2E | $2,511 | $2,166 |
| O-3E | $2,700 | $2,391 |
| O-1 | $2,043 | $1,734 |
| O-2 | $2,394 | $1,950 |
| O-3 | $2,520 | $2,247 |
| O-4 | $2,916 | $2,436 |
| O-5 | $3,201 | $2,460 |
| O-6 | $3,228 | $2,499 |
| O-7 | $3,249 | $2,541 |
Estimate your own pay with the BAH calculator and the full military pay calculator. See all BAH locations or the by-state overview.
Frequently asked questions
How much is BAH in Chattanooga, TN?
In 2026, an E-5 with dependents stationed in Chattanooga, TN receives $1,986 per month in tax-free BAH, or $1,629 without dependents. Rates vary by pay grade — see the full table above.
Is BAH taxable?
No. BAH is a tax-free housing allowance, which makes it worth more than the same amount of taxable base pay.