Compare military bases / Fort Knox → Fort Drum
Knox → Drum
Compare Fort Knox and Fort Drum
Will my BAH (Basic Allowance for Housing) go up or down if I move from Fort Knox to Fort Drum?
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 Knox
- $1,443
- Fort Drum
- $1,422
- Lower BAH at Fort Drum
BAH minus HUD 2-bedroom rent for the ZIP nearest each base.
- Fort Knox
- +$383/mo
- Fort Drum
- +$132/mo
Housing just outside the gate: Fort Knox vs Watertown
Rents shown on table are the 40th-percentile for 2 and 3 bedroom figures for the residential ZIP code nearest the base.
| Fort Knox Fort Knox 40122 | Fort Drum Watertown 13601 | |
|---|---|---|
| Median home value (city) | $-666,666,666 | $158,600 |
| Median gross rent (city) | $1,502/mo | $967 |
| HUD ZIP 2-BR rent | $1,060/mo | $1,290 |
| HUD ZIP 3-BR rent | $1,470/mo | $1,750 |
| HUD metro 2-BR rent (wider area) | $1,056/mo | $1,405 |
| E-5 without dependents minus 2-BR | +$383/mo | +$132/mo |
| E-5 with dependents minus 3-BR | +$177/mo | −$85/mo |
E-5 without dependents vs a HUD 2-bedroom is +$383/mo at Fort Knox vs +$132/mo at Fort Drum. E-5 with dependents vs a 3-bedroom is +$177/mo vs −$85/mo.
Host-state comparison: Kentucky vs. New York
| Kentucky | New York | |
|---|---|---|
| Sales tax | 6.00% | 8.54% |
| Property tax | 0.74% | 1.30% |
| Personal property tax | Yes — 1.44% effective | No |
| Top state income tax | 3.5% | 10.9% |
| Median home value | $235,735 | $513,450 |
| Branch | Army | Army |
| HUD 2-BR FMR | $1,056 | $1,405 |
| Climate high/low | 70° / 48°F | 55° / 35°F |
| Annual precip | 50.1 in | 37.1 in |
| Nearby city | Fort Knox | Watertown |
| Host state | Kentucky | New York |
Click here for the full state comparison: Kentucky → New York
PCS checklist for Fort Drum
- Update DEERS. BAH at Fort Drum uses MHA NY225 (ZIP 13602).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near Fort Drum is $1,405/mo. On-base housing is separate.
- New New York residents typically have 30 days for a license and 30 days to title a car.
- Reporting: Fort Drum.
Biggest differences
- E-5 with-dependents BAH is higher at Fort Drum ($1,665 vs $1,647).
- Median owner-occupied home value in the off-base city is $158,600 in Watertown vs $-666,666,666 in Fort Knox (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $1,290 in 13601 vs $1,060 in 40122.
- Host-state wage tax is Top listed rate 3.5% in Kentucky vs 4%–10.9% state; NYC adds local tax in New York (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 8.54% in New York vs 6% in Kentucky.
Common questions
Can I PCS from Fort Knox to Fort Drum?
This pair is listed because the installations share a tenant service (Army). Your actual orders depend on your MOS/AFSC/rating and the gaining unit.
How does BAH change from Fort Knox to Fort Drum?
DTMO CY2026 with- and without-dependents rates for every pay grade are in the BAH table on this page. E-5 with dependents: $1,647 vs $1,665; without dependents: $1,443 vs $1,422.
What is local rent like near Fort Drum?
HUD FY2026 Small Area FMR for ZIP 13601 (Watertown) is $1,290/mo for a 2-bedroom and $1,750/mo for a 3-bedroom. The wider metro 2-BR FMR is $1,405/mo.
What do homes cost in Fort Knox vs Watertown?
Census ACS 5-year (2020–2024) median value of owner-occupied homes is $-666,666,666 in Fort Knox CDP, Kentucky vs $158,600 in Watertown city, New York. Median gross rent in those cities is $1,502 vs $967. These are city medians (owners’ reported values), not last month’s sale prices.
Will BAH cover off-base rent if I PCS from Fort Knox to Fort Drum?
E-5 without dependents minus a HUD 2-bedroom is +$383/mo at Fort Knox vs +$132/mo at Fort Drum. E-5 with dependents minus a 3-bedroom is +$177/mo vs −$85/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 Knox to Fort Drum?
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. Kentucky: Top listed rate 3.5%. New York: 4%–10.9% state; NYC adds local tax. BAH is not taxed. Sales tax and titling a car follow the state you live in.
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 in the snapshot above BAH 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); Fort Drum (NY225). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Hardin County $1,056; Jefferson County $1,405.
- 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; 13601 (Watertown) $1,290 / $1,750.
- Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Fort Knox CDP, Kentucky ($-666,666,666, $1,502/mo) and Watertown city, New York ($158,600, $967/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Bowling Green (NWS) (USW00093808); Watertown (NWS) (USW00094790).
- Host-state wage tax. Statewide listed rates for Kentucky and New York 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 and New York. 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 and New York. 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%); New York motor-vehicle agency (license 30 days, title 30 days; title tax 8.00%). 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 and New York. 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 and New York. Backdrop for off-base purchase prices; on-base housing and BAH are separate.