Compare military bases / Fort Huachuca → Fort McCoy
Huachuca → McCoy
Compare Fort Huachuca and Fort McCoy
Will my BAH (Basic Allowance for Housing) go up or down if I move from Fort Huachuca to Fort McCoy?
This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.
Monthly BAH at E-5 pay grade without dependents.
- Fort Huachuca
- $1,347
- Fort McCoy
- $1,290
- Lower BAH at Fort McCoy
BAH vs typical 2-bedroom rent nearby.
- Fort Huachuca
- $67/mo left over
- Fort McCoy
- $210/mo left over
Housing just outside the gate: Sierra Vista vs Sparta
Rents shown on table are the 40th-percentile for 2 and 3 bedroom figures for the residential ZIP code nearest the base.
| Fort Huachuca Sierra Vista 85635 | Fort McCoy Sparta 54656 | |
|---|---|---|
| Median home value (city) | $254,200 | $180,600 |
| Median gross rent (city) | $1,150/mo | $861 |
| HUD ZIP 2-BR rent | $1,280/mo | $1,080 |
| HUD ZIP 3-BR rent | $1,780/mo | $1,430 |
| HUD metro 2-BR rent (wider area) | $1,257/mo | $1,036 |
| E-5 without dependents minus 2-BR | +$67/mo | +$210/mo |
| E-5 with dependents minus 3-BR | −$61/mo | −$35/mo |
E-5 without dependents vs a HUD 2-bedroom is +$67/mo at Fort Huachuca vs +$210/mo at Fort McCoy. E-5 with dependents vs a 3-bedroom is −$61/mo vs −$35/mo.
Host-state comparison: Arizona vs. Wisconsin
| Arizona | Wisconsin | |
|---|---|---|
| Sales tax | 8.52% | 5.72% |
| Property tax | 0.48% | 1.32% |
| Personal property tax | Yes — 1.68% effective | No |
| Top state income tax | 2.5% | 7.65% |
| Median home value | $425,807 | $338,665 |
| Branch | Army | Army |
| HUD 2-BR FMR | $1,257 | $1,036 |
| Climate high/low | 84° / 57°F | 59° / 39°F |
| Annual precip | 10.6 in | 35.2 in |
| Nearby city | Sierra Vista | Sparta |
| Host state | Arizona | Wisconsin |
Click here for the full state comparison: Arizona → Wisconsin
PCS checklist for Fort McCoy
- Update DEERS. BAH at Fort McCoy uses MHA WI318 (ZIP 54656).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near Fort McCoy is $1,036/mo. On-base housing is separate.
- New Wisconsin residents typically have 60 days for a license and 30 days to title a car.
- Reporting: Fort McCoy.
Biggest differences
- E-5 with-dependents BAH is lower at Fort McCoy ($1,395 vs $1,719).
- Median owner-occupied home value in the off-base city is $180,600 in Sparta vs $254,200 in Sierra Vista (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $1,080 in 54656 vs $1,280 in 85635.
- Host-state wage tax is Flat 2.5% in Arizona vs Top listed rate 7.65% in Wisconsin (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 5.72% in Wisconsin vs 8.52% in Arizona.
Common questions
Does BAH go down from Fort Huachuca to Fort McCoy?
DTMO CY2026 with- and without-dependents rates for every pay grade are in the BAH table on this page. E-5 with dependents: $1,719 vs $1,395; without dependents: $1,347 vs $1,290.
What is local rent like near Fort McCoy?
HUD FY2026 Small Area FMR for ZIP 54656 (Sparta) is $1,080/mo for a 2-bedroom and $1,430/mo for a 3-bedroom. The wider metro 2-BR FMR is $1,036/mo.
Will BAH cover off-base rent if I PCS from Fort Huachuca to Fort McCoy?
E-5 without dependents minus a HUD 2-bedroom is +$67/mo at Fort Huachuca vs +$210/mo at Fort McCoy. E-5 with dependents minus a 3-bedroom is −$61/mo vs −$35/mo. Use the calculator for other pay grades. Actual listings vary; BAH is untaxed housing pay, not a rent cap.
Does my state income tax change if I PCS from Fort Huachuca to Fort McCoy?
Usually not just because the duty station changes. Military pay generally follows legal residence under the Servicemembers Civil Relief Act; spouses may have similar protection. Arizona: Flat 2.5%. Wisconsin: Top listed rate 7.65%. BAH is not taxed. Sales tax and titling a car follow the state you live in.
How does sales tax near Fort McCoy compare with Fort Huachuca?
Combined sales tax averages 5.72% in Wisconsin vs 8.52% in Arizona. This follows where you live, not legal residence for military pay.
How long do I have for a license and car title if I PCS to Fort McCoy?
New Wisconsin residents typically have 60 days for a license and 30 days to title a car (10 and 15 days in Arizona).
How different is the climate from Fort Huachuca to Fort McCoy?
Annual normals at Tucson Intl (NWS) are 84° / 57°F and 10.6 in of precipitation vs 59° / 39°F and 35.2 in at La Crosse Regional (NWS) (NOAA 1991–2020).
Related PCS
Your PCS
Only destinations that share a service with the origin are listed.
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 Huachuca (AZ014); Fort McCoy (WI318). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Cochise County $1,257; Monroe County $1,036.
- Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 85635 (Sierra Vista) $1,280 / $1,780; 54656 (Sparta) $1,080 / $1,430.
- 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 Sierra Vista city, Arizona ($254,200, $1,150/mo) and Sparta city, Wisconsin ($180,600, $861/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Tucson Intl (NWS) (USW00023160); La Crosse Regional (NWS) (USW00014920).
- Host-state wage tax. Statewide listed rates for Arizona and Wisconsin 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 Arizona and Wisconsin. 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 Arizona and Wisconsin. On-base housing is not in this figure.
- Vehicle title tax and new-resident clocks. Arizona motor-vehicle agency (license 10 days, title 15 days; title tax 5.60%); Wisconsin motor-vehicle agency (license 60 days, title 30 days; title tax 5.00%). 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 Arizona and Wisconsin. 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 Arizona and Wisconsin. Backdrop for off-base purchase prices; on-base housing and BAH are separate.