2019 Kentucky BAH (Basic Allowance Housing) Rates


via 2019 Kentucky BAH (Basic Allowance Housing) Rates


  • See the 2019 Basic Allowance for Housing rates update here.

    MHA: KY106 – Military Housing Area Name: FORT CAMPBELL, KY

    E01 $1,242 $999
    E02 $1,242 $999
    E03 $1,242 $999
    E04 $1,242 $999
    E05 $1,263 $1,137
    E06 $1,401 $1,218
    E07 $1,569 $1,245
    E08 $1,752 $1,314
    E09 $1,899 $1,425
    W01 $1,413 $1,242
    W02 $1,647 $1,290
    W03 $1,872 $1,428
    W04 $1,911 $1,440
    W05 $1,959 $1,602
    O01E $1,605 $1,263
    O02E $1,833 $1,374
    O03E $1,917 $1,437
    O01 $1,281 $1,215
    O02 $1,398 $1,257
    O03 $1,860 $1,431
    O04 $1,971 $1,578
    O05 $2,046 $1,683
    O06 $2,067 $1,857
    O07 $2,082 $1,902

    MHA: KY107 – Military Housing Area Name: LEXINGTON, KY

    E01 $1,119 $852
    E02 $1,119 $852
    E03 $1,119 $852
    E04 $1,119 $852
    E05 $1,197 $969
    E06 $1,461 $1,092
    E07 $1,473 $1,122
    E08 $1,482 $1,251
    E09 $1,569 $1,329
    W01 $1,470 $1,104
    W02 $1,479 $1,248
    W03 $1,491 $1,338
    W04 $1,605 $1,458
    W05 $1,752 $1,464
    O01E $1,476 $1,197
    O02E $1,485 $1,311
    O03E $1,623 $1,452
    O01 $1,230 $1,038
    O02 $1,458 $1,170
    O03 $1,488 $1,362
    O04 $1,803 $1,461
    O05 $2,043 $1,533
    O06 $2,061 $1,545
    O07 $2,076 $1,557

    MHA: KY109 – Military Housing Area Name: LOUISVILLE, KY

    E01 $1,377 $1,053
    E02 $1,377 $1,053
    E03 $1,377 $1,053
    E04 $1,377 $1,053
    E05 $1,491 $1,182
    E06 $1,713 $1,281
    E07 $1,728 $1,380
    E08 $1,743 $1,539
    E09 $1,824 $1,602
    W01 $1,722 $1,341
    W02 $1,737 $1,536
    W03 $1,758 $1,611
    W04 $1,851 $1,713
    W05 $1,962 $1,722
    O01E $1,731 $1,491
    O02E $1,749 $1,587
    O03E $1,866 $1,704
    O01 $1,521 $1,257
    O02 $1,710 $1,452
    O03 $1,755 $1,629
    O04 $2,001 $1,719
    O05 $2,184 $1,725
    O06 $2,202 $1,740
    O07 $2,220 $1,782

    MHA: KY110 – Military Housing Area Name: FORT KNOX, KY

    E01 $843 $651
    E02 $843 $651
    E03 $843 $651
    E04 $843 $651
    E05 $894 $735
    E06 $1,119 $837
    E07 $1,215 $912
    E08 $1,314 $987
    E09 $1,437 $1,077
    W01 $1,131 $849
    W02 $1,257 $942
    W03 $1,383 $1,080
    W04 $1,461 $1,140
    W05 $1,551 $1,230
    O01E $1,233 $924
    O02E $1,359 $1,020
    O03E $1,473 $1,113
    O01 $924 $786
    O02 $1,116 $915
    O03 $1,377 $1,083
    O04 $1,581 $1,215
    O05 $1,728 $1,296
    O06 $1,743 $1,368
    O07 $1,755 $1,401

    MHA: KY339 – Military Housing Area Name: FRANKFORT, KY

    E01 $891 $684
    E02 $891 $684
    E03 $891 $684
    E04 $891 $684
    E05 $942 $780
    E06 $1,053 $843
    E07 $1,140 $891
    E08 $1,239 $966
    E09 $1,356 $1,017
    W01 $1,062 $882
    W02 $1,182 $963
    W03 $1,305 $1,020
    W04 $1,374 $1,071
    W05 $1,455 $1,155
    O01E $1,158 $942
    O02E $1,284 $990
    O03E $1,386 $1,044
    O01 $957 $837
    O02 $1,050 $927
    O03 $1,299 $1,023
    O04 $1,485 $1,143
    O05 $1,617 $1,212
    O06 $1,629 $1,290
    O07 $1,641 $1,323

    MHA: KY430 – Military Housing Area Name: PADUCAH, KY

    E01 $948 $735
    E02 $948 $735
    E03 $948 $735
    E04 $948 $735
    E05 $1,023 $819
    E06 $1,254 $939
    E07 $1,323 $993
    E08 $1,392 $1,071
    E09 $1,485 $1,137
    W01 $1,266 $951
    W02 $1,353 $1,068
    W03 $1,443 $1,149
    W04 $1,503 $1,269
    W05 $1,572 $1,332
    O01E $1,335 $1,023
    O02E $1,425 $1,125
    O03E $1,512 $1,248
    O01 $1,053 $867
    O02 $1,251 $999
    O03 $1,437 $1,170
    O04 $1,596 $1,320
    O05 $1,707 $1,359
    O06 $1,722 $1,428
    O07 $1,734 $1,464

    About half the U.S. Counties (about 1,500) have little to no military population. While half the zip codes is significant, less than two percent of service members that are eligible for Basic Allowance for Housing (BAH) are within these counties. In order to account for these service members there are approximately 30 separate County Cost Groups (CCGs) assigned, each with similar housing costs. Use the BAH Calculator to enter your zip code to determine your Military Housing Area (MHA) aka County Cost Group. They range from ZZ530 to ZZ890 in increments of 10.

    Military bases in Kentucky (not a complete list):

    • Fort Campbell, Hopkinsville, Kentucky
    • Fort Knox, Hardin, Kentucky

    BAH rates listed are for all branches of the military; Air Force, Army, Coast Guard, Marines, Navy and Reserves forces, where applicable.

    Read more: https://militarybenefits.info/bah-rates-state/kentucky/#ixzz53FBXIkEB

Louisville Kentucky VA Approved Condos

BAHd are for all branch’s of the military; Air Force, Army, Coast Guard, Marines, Navy and Reserves forces, where applicable.

Joel Lobb (NMLS#57916)
Senior  Loan Officer
Text or Call 502-905-3708 cell

This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.
All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines

2019 Kentucky BAH (Basic Allowance Housing) Rates




Author: Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home Loans

I have helped over 589 Kentucky families buy or refinance their home over the last 18 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process. I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues. You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process. Give us a try or let us compare your options on your next mortgage transaction. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications. Email me at kentuckyloan@gmail.com with your questions I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional and Jumbo mortgage loans. I am based out of Louisville Kentucky. For the first time buyer with little money down, we offer Kentucky Housing or KHC loans with down payment assistance. Customer Testimonials 😍😍😍 We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joel's website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services. Angela Forsythe "We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joel's website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him." September 2016 Monica Leinhardt "We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish,I would definetly recommmend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan. Kayle Griffin “Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010 Tim Beck “Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010 Nancy Nalley “I have worked with Joel since 1998. He is a great loan professional.” I refer most of my Louisville, Kentucky area home buyers to him and he always take special care of them. August 23, 2012 Jon ClarK “Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2011 RICHARD VOLZ , Residential Sales , Remax Foursquare Realty “When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say's they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010 Stacie Drake "We first use Joel on our new home purchase in 2007 in St Matthews, Kentucky area and he was great to work with. We have since refinanced our home with him in 2010 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else." Melody Glasscock March 2014 Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some advice on what my next steps would be to get a house. I honestly didn't expect to even get a reply because my credit is not great. That was about a week and a half ago. I just signed a contract on a house last night. ONLY because of Joel Lobb. He even worked with us throughout the weekend, which shocked me. Best decision I have ever made. THANK YOU SO MUCH FOR WORKING WITH US THROUGHOUT THE ENTIRE PROCESS. Cee Bellisle August 2017 Contacted him about buying a home and he was great to work with. I was moving to Louisville Ky to take a new job and he walked me through the entire process. He explained to me all the different options for FHA, VA, USDA mortgage loans and credit score requirements versus Fannie Mae. Since I was a first time home buyer I needed alot of help and guidance. I would definitely recommend him. Fast to respond and available to answer questions that I or my realtor had after hours. Anderson Johnson April 2018 Wow, what a great loan officer. I was referred to him by our agent and he was great to work with. We used him for a USDA no money down loan in Shelby County and we were really impressed. We were afraid we could not buy a home since we did not have money saved for a down payment, but Joe l was able to get us a zero down loan and we even got our appraisal fee and good faith deposit back at closing. We actually got money back at closing!!! I Can't think him enough. Our family moved from our apartment in the south end of town to get our own home with 5 acres for our kids and 2 dogs, at a payment that is equal to our rent payment also. .Thanks Again Joel. May god bless you Patty Locker We contacted Joel about buying a house on our move from Ohio for my husband's job transfer with Ford. We put a lot of trust in him since we were new to the area and first time home buyers in the Louisville KY market, and he always delivered on what he said. It took us a while to find a home due to the lack of homes, but once we got one, he was always quick to respond our questions via text or email ,and kept us informed through the process. We got to meet him at the closing and he was super nice and even got us a closing gift for our home which we didn't expect at all. Super nice guy 😀!!! I would definitely recommend him for a local Home loan in the Louisville area. pam dolby I got a VA loan with Joel and he was great. He is an ex-army guy so he could relate to my past experiences of being a veteran and moving around the country a lot. I had some credit issues that required a little extra work but Joel was able to find A VA lender to approve my situation as far as having past bad credit problems and a lower credit score. We closed yesterday on our home here in Louisville and we could not be happier. We finally have a home of our own thanks to Joel . I would definitely recommend him for a mortgage loan. Great experience and closed 8 days before expected close date so we were able to move in early. larry summit I contacted Joel about the $10,000 KY Housing Grant last month and we were able to get it and I just closed on my home. He was great to work with and if you are a first time home buyer here in Louisville, I would definitely contact him. I met him at his office and he was very nice and knowledgeable and kept me informed through the process. No surprises either so I was very happy. I am new homeowner thanks to Joel . Joel Lobb Senior Loan Officer American Mortgage Solutions, Inc. 10602 Timberwood Circle Suite 3 Louisville, KY 40223 phone: (502) 905-3708 Fax: (502) 327-9119 kentuckyloan@gmail.com http://www.mylouisvillekentuckymortgage.com/ Company ID #1364 | MB73346E This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency. http://www.nmlsconsumeraccess.org/ Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. NMLS#57916 http://www.nmlsconsumeraccess.org/ . The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.

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