How much is BAH in Tennessee?

BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Verify your exact rate on the official DoD BAH calculator before making housing decisions in Tennessee.

Can I use my BAH to qualify for a VA loan in Tennessee?

Yes. VA underwriters can count BAH as stable, tax-free income. Because it's nontaxable, a lender may gross it up when calculating debt-to-income ratios; the applicable percentage depends on the agency/investor guideline and the borrower's actual documented tax situation. VA underwriting emphasizes residual income and actual income.

BAH · TN

Tennessee BAH rates for 2026.

NSA Mid-South and Arnold AFB — Fort Campbell BAH covers northern TN.

All state BAH rates

MHA / Installation area	Installations
Memphis / NSA Mid-South	NSA Mid-South
Nashville	—

BAH rates vary by pay grade, dependency status, and ZIP-based MHA, and DoD updates them annually. Verify your exact 2026 rate on the official DoD BAH calculator before making financial decisions.

BAH by installation in Tennessee

NSA Mid-South BAH

NSA Mid-South falls under the Memphis / NSA Mid-South Military Housing Area. Your 2026 BAH rate depends on pay grade and dependency status — look up the exact figure for the Memphis / NSA Mid-South MHA on the official DoD BAH calculator.

2026 FHFA conforming limits in Tennessee

2026 FHFA conforming and high-cost county limit values, plus a full state VA loan guide. Borrowers with full entitlement have no VA loan limit.

Tennessee snapshot: 2026 FHFA conforming loan limits are set per county, not per state. See the Tennessee county list for the verified one-unit figure that applies to a specific property.