The E-5 rate here is $36 above the typical US housing area ($2,118), and ranks 158 of 299 from lowest to highest. Housing area code TN268, covering 85 ZIP codes.
Enlisted
Warrant officers
Officers
Officers with prior enlisted service
Total pay for an E-5 here
An E-5 with over 6 years of service and dependents stationed in this housing area receives $4,110.00 in basic pay, $2,154 in BAH and $476.95 in BAS, for $6,740.95 a month. The BAH and BAS part, $2,630.95, is not taxed. Work out your own total or your take-home pay.
ZIP codes in this housing area
Includes 37501, 37544, 38002, 38004, 38011, 38014, 38015, 38016, 38017, 38018, 38019, 38023 and 73 more. BAH is based on the ZIP code of your duty station, not where you choose to live. Look up a ZIP code.
Common questions
What is BAH for an E-5 at Memphis? $2,154 a month with dependents and $1,719 without, in 2026. That is $25,848 a year, tax-free.
How much is BAH for an E-4 at Memphis? $1,992 a month with dependents and $1,530 without.
How much is BAH for an O-3 at Memphis? $2,352 a month with dependents and $2,253 without.
What is the GI Bill housing allowance near Memphis? For a full-time student attending classes in person at a school in this housing area, the Post-9/11 GI Bill pays the E-5 with-dependents rate: $2,154 a month in 2026.
When do 2027 BAH rates come out? Usually in mid-December. They take effect January 1, and rate protection keeps your current amount if the new rate is lower.
