BAH 2026Military housing area KY109
Louisville, KY BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Louisville, KY military housing area, with and without dependents, and the 105 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,989a month180th highest of 338
- E‑5 without dependents
- $1,533a month
- O‑3 with dependents
- $2,394a monthtied for 202nd highest of 338
- ZIP codes
- 105in this DoD area
Louisville, KY pays $1,989 a month for an E‑5 with dependents: the 180th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for KY109. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| 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 |
| Warrant officers | ||
| 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 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,322 | $1,986 |
| O‑2E | $2,385 | $2,109 |
| O‑3E | $2,547 | $2,265 |
| Officers | ||
| 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 |
| O‑8† | $3,015 | $2,412 |
| O‑9† | $3,015 | $2,412 |
| O‑10† | $3,015 | $2,412 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 105 ZIP codes in Louisville, KY (KY109). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 40010, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 105 ZIP codesAll 105 ZIP codes
- 400xx
- 40010 40014 40018 40023 40025 40026 40027 40031 40032 40041 40056 40059 40077
- 401xx
- 40118
- 402xx
- 40201 40202 40203 40204 40205 40206 40207 40208 40209 40210 40211 40212 40213 40214 40215 40216 40217 40218 40219 40220 40221 40222 40223 40224 40225 40228 40229 40231 40232 40233 40241 40242 40243 40245 40250 40251 40252 40253 40255 40256 40257 40258 40259 40261 40266 40268 40269 40270 40272 40280 40281 40282 40283 40285 40287 40289 40290 40291 40292 40293 40294 40295 40296 40297 40298 40299
- 471xx
- 47104 47106 47111 47119 47122 47124 47126 47129 47130 47131 47132 47133 47134 47141 47143 47144 47146 47147 47150 47151 47162 47163 47172 47190 47199
Other areas in Kentucky
Areas whose DoD code starts with KY, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.