Compare military bases / Fort McCoy → Fort Bliss
McCoy → Bliss
Compare Fort McCoy and Fort Bliss
Will my BAH (Basic Allowance for Housing) go up or down if I move from Fort McCoy to Fort Bliss?
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 McCoy
- $1,290
- Fort Bliss
- $1,437
- Higher BAH at Fort Bliss
BAH vs typical 2-bedroom rent nearby.
- Fort McCoy
- $210/mo left over
- Fort Bliss
- $263/mo short
Housing just outside the gate: Sparta vs El Paso
Rents shown on table are the 40th-percentile for 2 and 3 bedroom figures for the residential ZIP code nearest the base.
| Fort McCoy Sparta 54656 | Fort Bliss El Paso 79906 | |
|---|---|---|
| Median home value (city) | $180,600 | $184,500 |
| Median gross rent (city) | $861/mo | $1,073 |
| HUD ZIP 2-BR rent | $1,080/mo | $1,700 |
| HUD ZIP 3-BR rent | $1,430/mo | $2,330 |
| HUD metro 2-BR rent (wider area) | $1,036/mo | $1,191 |
| E-5 without dependents minus 2-BR | +$210/mo | −$263/mo |
| E-5 with dependents minus 3-BR | −$35/mo | −$521/mo |
E-5 without dependents vs a HUD 2-bedroom is +$210/mo at Fort McCoy vs −$263/mo at Fort Bliss. E-5 with dependents vs a 3-bedroom is −$35/mo vs −$521/mo.
Host-state comparison: Wisconsin vs. Texas
| Wisconsin | Texas | |
|---|---|---|
| Sales tax | 5.72% | 8.20% |
| Property tax | 1.32% | 1.40% |
| Personal property tax | No | No |
| Top state income tax | 7.65% | 0.0% |
| Median home value | $338,665 | $304,099 |
| Branch | Army | Army |
| HUD 2-BR FMR | $1,036 | $1,191 |
| Climate high/low | 59° / 39°F | 79° / 54°F |
| Annual precip | 35.2 in | 8.8 in |
| Nearby city | Sparta | El Paso |
| Host state | Wisconsin | Texas |
PCS checklist for Fort Bliss
- Update DEERS. BAH at Fort Bliss uses MHA TX279 (ZIP 79916).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near Fort Bliss is $1,191/mo. On-base housing is separate.
- New Texas residents typically have 90 days for a license and 30 days to title a car.
- Reporting: Fort Bliss.
Biggest differences
- E-5 with-dependents BAH is higher at Fort Bliss ($1,809 vs $1,395).
- Median owner-occupied home value in the off-base city is $184,500 in El Paso vs $180,600 in Sparta (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $1,700 in 79906 vs $1,080 in 54656.
- Host-state wage tax is Top listed rate 7.65% in Wisconsin vs No personal income tax in Texas (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 8.2% in Texas vs 5.72% in Wisconsin.
Common questions
Does BAH go up from Fort McCoy to Fort Bliss?
DTMO CY2026 with- and without-dependents rates for every pay grade are in the BAH table on this page. E-5 with dependents: $1,395 vs $1,809; without dependents: $1,290 vs $1,437.
What is local rent like near Fort Bliss?
HUD FY2026 Small Area FMR for ZIP 79906 (El Paso) is $1,700/mo for a 2-bedroom and $2,330/mo for a 3-bedroom. The wider metro 2-BR FMR is $1,191/mo.
Will BAH cover off-base rent if I PCS from Fort McCoy to Fort Bliss?
E-5 without dependents minus a HUD 2-bedroom is +$210/mo at Fort McCoy vs −$263/mo at Fort Bliss. E-5 with dependents minus a 3-bedroom is −$35/mo vs −$521/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 McCoy to Fort Bliss?
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. Wisconsin: Top listed rate 7.65%. Texas: No personal income tax. BAH is not taxed. Sales tax and titling a car follow the state you live in.
How does sales tax near Fort Bliss compare with Fort McCoy?
Combined sales tax averages 8.2% in Texas vs 5.72% in Wisconsin. This follows where you live, not legal residence for military pay.
How different is the climate from Fort McCoy to Fort Bliss?
Annual normals at La Crosse Regional (NWS) are 59° / 39°F and 35.2 in of precipitation vs 79° / 54°F and 8.8 in at El Paso Intl (NWS) (NOAA 1991–2020).
How long do I have for a license and car title if I PCS to Fort Bliss?
New Texas residents typically have 90 days for a license and 30 days to title a car (60 and 30 days in Wisconsin).
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 McCoy (WI318); Fort Bliss (TX279). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Monroe County $1,036; El Paso County $1,191.
- Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 54656 (Sparta) $1,080 / $1,430; 79906 (El Paso) $1,700 / $2,330.
- 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 Sparta city, Wisconsin ($180,600, $861/mo) and El Paso city, Texas ($184,500, $1,073/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — La Crosse Regional (NWS) (USW00014920); El Paso Intl (NWS) (USW00023044).
- Host-state wage tax. Statewide listed rates for Wisconsin and Texas 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 Wisconsin and Texas. 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 Wisconsin and Texas. On-base housing is not in this figure.
- Vehicle title tax and new-resident clocks. Wisconsin motor-vehicle agency (license 60 days, title 30 days; title tax 5.00%); Texas motor-vehicle agency (license 90 days, title 30 days; title tax 6.25%). 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 Wisconsin and Texas. 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 Wisconsin and Texas. Backdrop for off-base purchase prices; on-base housing and BAH are separate.