2026 BAH Rates — Memphis, TN
2026 Basic Allowance for Housing (BAH) for Memphis, TN (Military Housing Area TN268), 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 | $1,992 | $1,530 |
| E-2 | $1,992 | $1,530 |
| E-3 | $1,992 | $1,530 |
| E-4 | $1,992 | $1,530 |
| E-5 | $2,154 | $1,719 |
| E-6 | $2,319 | $1,839 |
| E-7 | $2,337 | $1,995 |
| E-8 | $2,346 | $2,193 |
| E-9 | $2,376 | $2,232 |
| W-1 | $2,334 | $1,944 |
| W-2 | $2,343 | $2,190 |
| W-3 | $2,355 | $2,238 |
| W-4 | $2,394 | $2,310 |
| W-5 | $2,484 | $2,322 |
| O-1E | $2,340 | $2,151 |
| O-2E | $2,349 | $2,220 |
| O-3E | $2,409 | $2,307 |
| O-1 | $2,181 | $1,824 |
| O-2 | $2,316 | $2,103 |
| O-3 | $2,352 | $2,253 |
| O-4 | $2,508 | $2,313 |
| O-5 | $2,643 | $2,325 |
| O-6 | $2,661 | $2,328 |
| O-7 | $2,679 | $2,343 |
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 Memphis, TN?
In 2026, an E-5 with dependents stationed in Memphis, TN receives $2,154 per month in tax-free BAH, or $1,719 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.