2026 BAH Rates — Louisville, KY
2026 Basic Allowance for Housing (BAH) for Louisville, KY (Military Housing Area KY109), 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 | $1,809 | $1,377 |
| E-2 | $1,809 | $1,377 |
| E-3 | $1,809 | $1,377 |
| E-4 | $1,809 | $1,377 |
| E-5 | $1,989 | $1,533 |
| E-6 | $2,274 | $1,704 |
| E-7 | $2,316 | $1,815 |
| E-8 | $2,364 | $2,052 |
| E-9 | $2,487 | $2,127 |
| W-1 | $2,292 | $1,758 |
| W-2 | $2,334 | $2,049 |
| W-3 | $2,397 | $2,139 |
| W-4 | $2,523 | $2,277 |
| W-5 | $2,679 | $2,325 |
| O-1E | $2,322 | $1,986 |
| O-2E | $2,385 | $2,109 |
| O-3E | $2,547 | $2,265 |
| O-1 | $2,031 | $1,626 |
| O-2 | $2,271 | $1,932 |
| O-3 | $2,394 | $2,166 |
| O-4 | $2,730 | $2,310 |
| O-5 | $2,973 | $2,331 |
| O-6 | $2,997 | $2,373 |
| O-7 | $3,015 | $2,412 |
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 Louisville, KY?
In 2026, an E-5 with dependents stationed in Louisville, KY receives $1,989 per month in tax-free BAH, or $1,533 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.