Army · Fort Knox, KY

Fort Knox: BAH and housing

Fort Knox is an Army post in Fort Knox, Kentucky. An E-5 with dependents receives $1,647 a month in BAH here (93rd-highest of 119 among the bases we track), $177 more than the $1,470 HUD fair-market rent for a 3-bedroom in ZIP 40122. The Census Bureau does not publish a median home value for Fort Knox, where the median gross rent is $1,502. Normal daily temperatures run from 44°F to 67°F on average, with 53 inches of precipitation a year.

Data: DTMO 2026 BAH for MHA KY110, HUD rents for ZIP 40122, Census ACS for Fort Knox CDP, NOAA normals at Brandenburg, KY. Jump to sources · Methodology

What is my BAH (Basic Allowance for Housing) at Fort Knox?

This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.

Pay grade

Dependents

$1,443/mo

Monthly BAH at E-5 pay grade without dependents.

Fort Knox: $1,443

Typical 2-bedroom rent nearby: $1,060/mo
BAH vs that rent: $383/mo left over

Key facts for living at Fort Knox

Key facts for living at Fort Knox
Host state	Kentucky
State income tax	Top listed rate 3.5%
Top state income-tax rate	3.5%
Average sales tax (state + local)	6.00%
Average property tax (real estate)	0.74%
Personal property tax (vehicles)	Yes — 1.44% effective
Median home value	$235,735
Military housing area	KY110 — FORT KNOX, KY
Climate (annual high / low)	67° / 44°F
Annual precipitation	53.3 in
Official site	Fort Knox

More about living in Kentucky

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PCS checklist for Fort Knox

Update DEERS and your page-2 / dependency status before BAH starts at the new MHA (KY110).
Look up your exact BAH for rank and dependents on the DTMO BAH lookup (ZIP 40121).
Off-base 2-bedroom HUD FMR in Hardin County is $1,056/mo. On-base housing is separate.
Get a KY driver license within 30 days and title the car within 15 days. See Kentucky.
Confirm reporting instructions on the official Fort Knox site.

How Fort Knox compares

E-5 with-dependents BAH is higher at Fort Hamilton ($5,070 vs $1,647).

Use the picker above for any other compatible installation. Published PCS pages that include Fort Knox are listed here.

Sources

Housing figures below are for the installation (MHA, HUD rent, climate). Host-state tax rates are statewide averages — not a tax return. County add-ons can differ, and wage tax on military pay follows legal residence, not the duty station.

BAH (with and without dependents). DTMO CY2026 BAH tables for Fort Knox (KY110). Confirm current rates on the DTMO BAH lookup.
2-bedroom Fair Market Rent. HUD FY2026 FMR — Hardin County $1,056.
Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 40122 (Fort Knox) $1,060 / $1,470.
Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Fort Knox CDP, Kentucky (home value not published, $1,502/mo). Owner-reported values, not transaction prices.
Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Brandenburg, KY (USC00150955).
Host-state wage tax. Statewide listed rates for Kentucky from the Tax Foundation 2026 individual income-tax tables. On this page they describe the host state, not automatically the tax on a military LES (legal residence can stay put). BAH is untaxed.
Combined sales tax near the installation. Tax Foundation January 2026 state-and-local sales-tax averages for Kentucky. Used as an off-base shopping stand-in; city and county add-ons vary.
Effective property tax if you buy off-base. Tax Foundation 2026 property taxes by state for Kentucky. On-base housing is not in this figure.
Vehicle title tax and new-resident clocks. Kentucky motor-vehicle agency (license 30 days, title 15 days; title tax 6.00%). These are host-state motor-vehicle rules, not BAH.
Vehicle personal-property tax on the host-state snapshot. WalletHub 2026 vehicle property-tax table for Kentucky. This is a statewide car-tax flag, not real-estate tax and not BAH.
Statewide median home value on the host-state snapshot. Experian / Zillow March 2026 state medians for Kentucky. Backdrop for off-base purchase prices; on-base housing and BAH are separate.

Data last updated: September 2026. How the data is compiled