BAH 2026Military housing area TN268
Memphis, TN BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Memphis, TN military housing area, with and without dependents, and the 85 ZIP codes it covers.
On this page5 sections
- E‑5 with dependents
- $2,154a month150th highest of 338
- E‑5 without dependents
- $1,719a month
- O‑3 with dependents
- $2,352a month214th highest of 338
- ZIP codes
- 85in this DoD area
Memphis, TN pays $2,154 a month for an E‑5 with dependents: the 150th 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 TN268. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| 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 |
| Warrant officers | ||
| 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 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,340 | $2,151 |
| O‑2E | $2,349 | $2,220 |
| O‑3E | $2,409 | $2,307 |
| Officers | ||
| 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 |
| O‑8† | $2,679 | $2,343 |
| O‑9† | $2,679 | $2,343 |
| O‑10† | $2,679 | $2,343 |
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 85 ZIP codes in Memphis, TN (TN268). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 38054, the ZIP of Naval Support Activity Mid-South, or at a ZIP the check below finds in this area.
Show all 85 ZIP codesAll 85 ZIP codes
- 375xx
- 37501 37544
- 380xx
- 38002 38004 38011 38014 38015 38016 38017 38018 38019 38023 38027 38028 38029 38049 38053 38054 38055 38058 38071 38083 38088
- 381xx
- 38101 38103 38104 38105 38106 38107 38108 38109 38111 38112 38113 38114 38115 38116 38117 38118 38119 38120 38122 38124 38125 38126 38127 38128 38130 38131 38132 38133 38134 38135 38136 38137 38138 38139 38141 38145 38148 38150 38151 38152 38157 38159 38161 38163 38166 38167 38168 38173 38174 38175 38177 38181 38182 38183 38184 38186 38187 38188 38190 38193 38194 38197
Installations whose address is in this area
Military OneSource lists these installations at a ZIP code in TN268; the ZIP shown is the one in each installation’s main contact address.
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.