BAH 2026Military housing area TN266
Chattanooga, TN BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Chattanooga, TN military housing area, with and without dependents, and the 36 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,986a monthtied for 181st highest of 338
- E‑5 without dependents
- $1,629a month
- O‑3 with dependents
- $2,520a month172nd highest of 338
- ZIP codes
- 36in this DoD area
Chattanooga, TN pays $1,986 a month for an E‑5 with dependents: the tied for 181st 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 TN266. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| 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 |
| Warrant officers | ||
| 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 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,448 | $1,983 |
| O‑2E | $2,511 | $2,166 |
| O‑3E | $2,700 | $2,391 |
| Officers | ||
| 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 |
| O‑8† | $3,249 | $2,541 |
| O‑9† | $3,249 | $2,541 |
| O‑10† | $3,249 | $2,541 |
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 36 ZIP codes in Chattanooga, TN (TN266). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 30726, one ZIP in this area.
Show all 36 ZIP codesAll 36 ZIP codes
- 307xx
- 30726 30736 30742
- 373xx
- 37302 37304 37308 37315 37341 37343 37350 37351 37363 37373 37377 37379 37384
- 374xx
- 37401 37402 37403 37404 37405 37406 37407 37408 37409 37410 37411 37412 37414 37415 37416 37419 37421 37422 37424 37450
Other areas in Tennessee
Areas whose DoD code starts with TN, 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.