FORT KNOX, KY · MHA KY110 · effective January 1, 2026
Fort Knox BAH Rates 2026
Official 2026 Basic Allowance for Housing rates for Fort Knox, which falls in the Fort Knox, KY housing area (KY110). An E-5 with dependents receives $1,647 per month here ($1,443 without dependents).
That is about 26% below the $2,225 average across all 338 military housing areas, ranking 249 of 338. BAH is tax-free, and most members also draw BAS at $476.95/month (enlisted).
E-4 with dependents
$1,575/mo
$1,350 without
E-5 with dependents
$1,647/mo
$1,443 without
E-6 with dependents
$2,136/mo
$1,602 without
E-7 with dependents
$2,241/mo
$1,680 without
O-1 with dependents
$1,710/mo
$1,503 without
O-3 with dependents
$2,421/mo
$1,956 without
2026 BAH rates at Fort Knox — all pay grades
Monthly, tax-free. O-1E/O-2E/O-3E are officers with prior enlisted service.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,575 | $1,350 |
| E-2 | $1,575 | $1,350 |
| E-3 | $1,575 | $1,350 |
| E-4 | $1,575 | $1,350 |
| E-5 | $1,647 | $1,443 |
| E-6 | $2,136 | $1,602 |
| E-7 | $2,241 | $1,680 |
| E-8 | $2,352 | $1,764 |
| E-9 | $2,505 | $1,893 |
| W-1 | $2,157 | $1,617 |
| W-2 | $2,286 | $1,746 |
| W-3 | $2,424 | $1,911 |
| W-4 | $2,538 | $2,157 |
| W-5 | $2,679 | $2,265 |
| O-1E | $2,259 | $1,695 |
| O-2E | $2,403 | $1,860 |
| O-3E | $2,559 | $2,130 |
| O-1 | $1,710 | $1,503 |
| O-2 | $2,133 | $1,683 |
| O-3 | $2,421 | $1,956 |
| O-4 | $2,724 | $2,241 |
| O-5 | $2,943 | $2,301 |
| O-6 | $2,964 | $2,403 |
| O-7 | $2,985 | $2,442 |
| O-8 | $2,985 | $2,442 |
| O-9 | $2,985 | $2,442 |
| O-10 | $2,985 | $2,442 |
Need a different location? Use the BAH calculator to look up any US ZIP code.
Which ZIP codes get the Fort Knox rate
Housing area KY110 covers 22 ZIP codes. If your duty station falls in any of them you receive the rates on this page, whatever your home address. At this location the with-dependents rate runs 14% above the without-dependents rate, and pay grades span $1,575 to $2,985 per month.
ZIP codes in KY110
40104, 40108, 40117, 40121, 40122, 40142, 40155, 40157, 40159, 40160, 40161, 40162, 40175, 40177, 42701, 42702, 42724, 42732, 42740, 42776, 42784, 42788
Not listed? Look up any US ZIP with the BAH calculator.
Installations with similar BAH to Fort Knox
An E-5 with dependents draws $1,647/month here — $19,764 a year, tax-free. These bases pay closest to the same:
| Installation | Area | E-5 w/ dependents |
|---|---|---|
| Fort Knox | Fort Knox, KY | $1,647 |
| Wright-Patterson AFB | Wright-Patterson AFB, OH | $1,650 |
| Tinker AFB | Oklahoma City, OK | $1,644 |
| Fort Drum | Fort Drum/Watertown, NY | $1,665 |
| Whiteman AFB | Whiteman AFB, MO | $1,611 |
What these rates mean at Fort Knox
Your BAH is fixed by your duty-station ZIP code, pay grade and dependency status — not by your actual rent or where in the area you choose to live. Everyone assigned to Fort Knox at the same grade and dependency status receives the identical amount, so housing cheaper than your allowance leaves money in your pocket, and anything above it comes out of your own.
Rates are re-set every January from fresh local rental surveys. Individual rate protection means your BAH will not fall while you stay at Fort Knox in the same grade with the same dependency status, even if the published rate for the area drops.
To see BAH alongside basic pay and BAS for your total monthly compensation, use the military pay calculator, or check basic pay by rank on the 2026 military pay chart.
Frequently asked questions
What is the BAH rate at Fort Knox in 2026?
An E-5 with dependents assigned to Fort Knox receives $1,647 per month in 2026, or $1,443 without dependents. Fort Knox sits in the FORT KNOX, KY military housing area (KY110). Rates vary by pay grade — the full table is on this page.
Is BAH at Fort Knox higher or lower than average?
For an E-5 with dependents, Fort Knox pays $1,647 against a $2,225 average across all 338 housing areas — about 26% below the national mean, ranking 249 of 338 areas.
Does BAH at Fort Knox depend on where I actually live?
No. Your BAH is set by your duty-station ZIP code, not your home address, so everyone assigned to Fort Knox at the same grade and dependency status receives the same rate. If you rent for less than your BAH you keep the difference; if you spend more, you cover it.
BAH rates at other installations
Source
Rates are the 2026 tables published by the Defense Travel Management Office for military housing area KY110 (FORT KNOX, KY), effective January 1, 2026. Installation-to-area mapping uses the official DTMO ZIP file (duty-station ZIP 40121). This page is for estimation; your finance office is the authority on your entitlement.