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BAH Rates NSA Mid-South 2026
TNMemphis, TN (MHA TN268) housing allowance for every pay grade, with and without dependents — effective January 1, 2026.
E-5 with dependents
$2,154.00
per month · $1,719.00 without dependents
O-3 with dependents
$2,352.00
$2,253.00 without dependents
Change from 2025
-2.4%
E-5 with dependents, $2,208.00 → $2,154.00
Housing area
TN268
Memphis, TN · zip 38101
This page is the 2026 Basic Allowance for Housing table for NSA Mid-South, Tennessee: every pay grade from E-1 to O-10, with and without dependents, as published by DTMO for the Memphis, TN housing area and effective January 1, 2026. The last column shows how each rate moved from 2025. To compare NSA Mid-South with other duty stations, or to see what a lease leaves in your pocket, use the BAH calculator; if you are moving mid-month, the prorated BAH calculator splits the old and new rate across the paycheck.
NSA Mid-South BAH 2026 — every pay grade
| Pay grade | With dependents | Without dependents | 2025 (with dep.) | Change |
|---|---|---|---|---|
| E-1 | $1,992.00 | $1,530.00 | $2,064.00 | -3.5% |
| E-2 | $1,992.00 | $1,530.00 | $2,064.00 | -3.5% |
| E-3 | $1,992.00 | $1,530.00 | $2,064.00 | -3.5% |
| E-4 | $1,992.00 | $1,530.00 | $2,064.00 | -3.5% |
| E-5 | $2,154.00 | $1,719.00 | $2,208.00 | -2.4% |
| E-6 | $2,319.00 | $1,839.00 | $2,319.00 | 0.0% |
| E-7 | $2,337.00 | $1,995.00 | $2,337.00 | 0.0% |
| E-8 | $2,346.00 | $2,193.00 | $2,346.00 | 0.0% |
| E-9 | $2,376.00 | $2,232.00 | $2,376.00 | 0.0% |
| W-1 | $2,334.00 | $1,944.00 | $2,334.00 | 0.0% |
| W-2 | $2,343.00 | $2,190.00 | $2,343.00 | 0.0% |
| W-3 | $2,355.00 | $2,238.00 | $2,355.00 | 0.0% |
| W-4 | $2,394.00 | $2,310.00 | $2,397.00 | -0.1% |
| W-5 | $2,484.00 | $2,322.00 | $2,493.00 | -0.4% |
| O-1E | $2,340.00 | $2,151.00 | $2,340.00 | 0.0% |
| O-2E | $2,349.00 | $2,220.00 | $2,349.00 | 0.0% |
| O-3E | $2,409.00 | $2,307.00 | $2,409.00 | 0.0% |
| O-1 | $2,181.00 | $1,824.00 | $2,229.00 | -2.2% |
| O-2 | $2,316.00 | $2,103.00 | $2,316.00 | 0.0% |
| O-3 | $2,352.00 | $2,253.00 | $2,352.00 | 0.0% |
| O-4 | $2,508.00 | $2,313.00 | $2,523.00 | -0.6% |
| O-5 | $2,643.00 | $2,325.00 | $2,664.00 | -0.8% |
| O-6 | $2,661.00 | $2,328.00 | $2,688.00 | -1.0% |
| O-7 and above | $2,679.00 | $2,343.00 | $2,706.00 | -1.0% |
Source: Official DTMO 2026 BAH Rate Tables, effective January 1, 2026. DTMO publishes one rate for O-7 through O-10. All rates verified from official DTMO 2026 BAH Rate Excel spreadsheet downloaded from travel.dod.mil. Last verified: 2026-03-22. Verify your exact rate on the official DTMO BAH lookup.
How BAH works at NSA Mid-South
Your duty station sets the rate, not your address. BAH is paid for the Military Housing Area of the installation on your orders. NSA Mid-South falls in MHA TN268, Memphis, TN. Renting in a cheaper zip nearby does not lower it and a pricier one does not raise it.
With dependents is one rate; without is another. At E-5 the gap at NSA Mid-South is $435.00 a month. Dependency status is what is on your record, so a change (marriage, a child, a divorce) changes the column you are paid from.
Rates are reset every January and protected on the way down. DoD sets each MHA from local rental-market data, publishes in December and pays the new table from January 1 (the 2026 average increase across all areas was 4.2%). If the published rate for Memphis, TN ever falls, individual rate protection keeps members already at the station on the higher rate as long as they stay (DoD FMR Vol 7A, Ch 26).
BAH is tax-free and yours to keep. Off base you receive the full rate and keep what you do not spend on rent and utilities. In government or privatized housing the allowance goes to the housing provider. While you are still house-hunting after a PCS, the TLE calculator covers temporary lodging and the DLA calculator shows the one-time move-in allowance for your grade.
BAH rates elsewhere in Tennessee
E-5 with dependents shown.
FAQ
NSA Mid-South BAH — frequently asked questions
- What is the 2026 BAH for an E-5 at NSA Mid-South?
- $2,154.00 per month with dependents and $1,719.00 without, effective January 1, 2026. NSA Mid-South sits in the Memphis, TN Military Housing Area (MHA TN268); the full table on this page lists every grade from E-1 ($1,992.00 with dependents) to O-7 and above ($2,679.00).
- What is the 2026 BAH for an O-3 at NSA Mid-South?
- $2,352.00 per month with dependents and $2,253.00 without. Officer rates at NSA Mid-South run from $2,181.00 for an O-1 with dependents to $2,679.00 at O-7 and above; prior-enlisted officers (O-1E to O-3E) have their own rows in the table.
- Did BAH at NSA Mid-South go up in 2026?
- No, the published rate came down. The E-5 with-dependents rate moved from $2,208.00 in 2025 to $2,154.00 in 2026 (-2.4%). The table on this page shows the 2025 to 2026 change for every grade. Across all locations the average 2026 increase was 4.2%. If a rate ever drops, individual rate protection means members already at the station keep the higher rate as long as they stay (DoD FMR Vol 7A, Ch 26).
- Does my BAH at NSA Mid-South depend on my zip code?
- Yes. BAH is paid for the Military Housing Area of your duty station, not where you choose to live. NSA Mid-South's duty-station zip (38101) falls in MHA TN268, Memphis, TN. Living in a cheaper zip nearby does not lower your rate; living in a pricier one does not raise it. Confirm your exact rate on the official DTMO BAH lookup.
- Is BAH at NSA Mid-South taxable, and do I keep what I do not spend?
- BAH is not taxable income. If you live off base you receive the full Memphis, TN rate for your grade and dependency status and keep whatever you do not spend on rent and utilities; if you live in government or privatized housing the allowance goes to the housing provider. Members without dependents receive the without-dependents column, which at NSA Mid-South is $1,719.00 at E-5.
Keep going
Housing + PCS tools
REF: DoD FMR Vol 7A, Ch 26 · 37 U.S.C. § 403, effective January 1, 2026
Official DTMO 2026 BAH Rate Tables — Memphis, TN (MHA TN268)
Results are estimates. Always verify with your finance office.