Compare military bases / Fort Knox → Schofield Barracks
Knox → Schofield
Compare Fort Knox and Schofield Barracks
Will my BAH (Basic Allowance for Housing) go up or down if I move from Fort Knox to Schofield Barracks?
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
- Schofield Barracks
- $2,856
- Higher BAH at Schofield Barracks
BAH minus HUD 2-bedroom rent for the ZIP nearest each base.
- Fort Knox
- +$383/mo
- Schofield Barracks
- −$114/mo
Housing just outside the gate: Fort Knox vs Wahiawa
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 | Schofield Barracks Wahiawa 96786 | |
|---|---|---|
| Median home value (city) | $-666,666,666 | $806,200 |
| Median gross rent (city) | $1,502/mo | $1,546 |
| HUD ZIP 2-BR rent | $1,060/mo | $2,970 |
| HUD ZIP 3-BR rent | $1,470/mo | $4,130 |
| HUD metro 2-BR rent (wider area) | $1,056/mo | $2,642 |
| E-5 without dependents minus 2-BR | +$383/mo | −$114/mo |
| E-5 with dependents minus 3-BR | +$177/mo | −$467/mo |
E-5 without dependents vs a HUD 2-bedroom is +$383/mo at Fort Knox vs −$114/mo at Schofield Barracks. E-5 with dependents vs a 3-bedroom is +$177/mo vs −$467/mo.
Host-state comparison: Kentucky vs. Hawaii
| Kentucky | Hawaii | |
|---|---|---|
| Sales tax | 6.00% | 4.50% |
| Property tax | 0.74% | 0.29% |
| Personal property tax | Yes — 1.44% effective | No |
| Top state income tax | 3.5% | 11.0% |
| Median home value | $235,735 | $834,025 |
| Branch | Army | Army |
| HUD 2-BR FMR | $1,056 | $2,642 |
| Climate high/low | 70° / 48°F | 85° / 72°F |
| Annual precip | 50.1 in | 16.4 in |
| Nearby city | Fort Knox | Wahiawa |
| Host state | Kentucky | Hawaii |
PCS checklist for Schofield Barracks
- Update DEERS. BAH at Schofield Barracks uses MHA HI408 (ZIP 96857).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near Schofield Barracks is $2,642/mo. On-base housing is separate.
- New Hawaii residents typically have 30 days for a license and 30 days to title a car.
- Reporting: Schofield Barracks.
Biggest differences
- E-5 with-dependents BAH is higher at Schofield Barracks ($3,663 vs $1,647).
- Median owner-occupied home value in the off-base city is $806,200 in Wahiawa vs $-666,666,666 in Fort Knox (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $2,970 in 96786 vs $1,060 in 40122.
- Host-state wage tax is Top listed rate 3.5% in Kentucky vs Top listed rate 11.0% in Hawaii (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 4.5% in Hawaii vs 6% in Kentucky.
Common questions
Can I PCS from Fort Knox to Schofield Barracks?
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 Schofield Barracks?
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 $3,663; without dependents: $1,443 vs $2,856.
What is local rent like near Schofield Barracks?
HUD FY2026 Small Area FMR for ZIP 96786 (Wahiawa) is $2,970/mo for a 2-bedroom and $4,130/mo for a 3-bedroom. The wider metro 2-BR FMR is $2,642/mo.
What do homes cost in Fort Knox vs Wahiawa?
Census ACS 5-year (2020–2024) median value of owner-occupied homes is $-666,666,666 in Fort Knox CDP, Kentucky vs $806,200 in Wahiawa CDP, Hawaii. Median gross rent in those cities is $1,502 vs $1,546. 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 Schofield Barracks?
E-5 without dependents minus a HUD 2-bedroom is +$383/mo at Fort Knox vs −$114/mo at Schofield Barracks. E-5 with dependents minus a 3-bedroom is +$177/mo vs −$467/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 Schofield Barracks?
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%. Hawaii: Top listed rate 11.0%. 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); Schofield Barracks (HI408). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Hardin County $1,056; Honolulu County $2,642.
- 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; 96786 (Wahiawa) $2,970 / $4,130.
- Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Fort Knox CDP, Kentucky ($-666,666,666, $1,502/mo) and Wahiawa CDP, Hawaii ($806,200, $1,546/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Bowling Green (NWS) (USW00093808); Honolulu Intl (NWS) (USW00022521).
- Host-state wage tax. Statewide listed rates for Kentucky and Hawaii 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 Hawaii. 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 Hawaii. 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%); Hawaii motor-vehicle agency (license 30 days, title 30 days; title tax 4.00%). 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 Hawaii. 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 Hawaii. Backdrop for off-base purchase prices; on-base housing and BAH are separate.