Compare military bases / Fort McCoy → Fort Hood
McCoy → Hood
Compare Fort McCoy and Fort Hood
Will my BAH (Basic Allowance for Housing) go up or down if I move from Fort McCoy to Fort Hood?
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 Hood
- $1,530
- Higher BAH at Fort Hood
BAH vs typical 2-bedroom rent nearby.
- Fort McCoy
- $210/mo left over
- Fort Hood
- $290/mo left over
Housing just outside the gate: Sparta vs Killeen
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 Hood Killeen 76540 | |
|---|---|---|
| Median home value (city) | $180,600 | $215,400 |
| Median gross rent (city) | $861/mo | $1,208 |
| HUD ZIP 2-BR rent | $1,080/mo | $1,240 |
| HUD ZIP 3-BR rent | $1,430/mo | $1,720 |
| HUD metro 2-BR rent (wider area) | $1,036/mo | $1,233 |
| E-5 without dependents minus 2-BR | +$210/mo | +$290/mo |
| E-5 with dependents minus 3-BR | −$35/mo | −$25/mo |
E-5 without dependents vs a HUD 2-bedroom is +$210/mo at Fort McCoy vs +$290/mo at Fort Hood. E-5 with dependents vs a 3-bedroom is −$35/mo vs −$25/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 | $1,233 |
| Climate high/low | 59° / 39°F | 80° / 59°F |
| Annual precip | 35.2 in | 36.2 in |
| Nearby city | Sparta | Killeen |
| Host state | Wisconsin | Texas |
PCS checklist for Fort Hood
- Update DEERS. BAH at Fort Hood uses MHA TX286 (ZIP 76544).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near Fort Hood is $1,233/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 Hood.
Biggest differences
- E-5 with-dependents BAH is higher at Fort Hood ($1,695 vs $1,395).
- Median owner-occupied home value in the off-base city is $215,400 in Killeen vs $180,600 in Sparta (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $1,240 in 76540 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 Hood?
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 $1,695; without dependents: $1,290 vs $1,530.
What is local rent like near Fort Hood?
HUD FY2026 Small Area FMR for ZIP 76540 (Killeen) is $1,240/mo for a 2-bedroom and $1,720/mo for a 3-bedroom. The wider metro 2-BR FMR is $1,233/mo.
Will BAH cover off-base rent if I PCS from Fort McCoy to Fort Hood?
E-5 without dependents minus a HUD 2-bedroom is +$210/mo at Fort McCoy vs +$290/mo at Fort Hood. E-5 with dependents minus a 3-bedroom is −$35/mo vs −$25/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 Hood?
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 Hood 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 long do I have for a license and car title if I PCS to Fort Hood?
New Texas residents typically have 90 days for a license and 30 days to title a car (60 and 30 days in Wisconsin).
How different is the climate from Fort McCoy to Fort Hood?
Annual normals at La Crosse Regional (NWS) are 59° / 39°F and 35.2 in of precipitation vs 80° / 59°F and 36.2 in at San Antonio Intl (NWS) (NOAA 1991–2020).
Related PCS
Fort Hood → Fort McCoy · Fort Bragg → Fort Hood · Fort Hood → Fort Bliss · Joint Base San Antonio → Fort Hood
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 Hood (TX286). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Monroe County $1,036; Bell County $1,233.
- 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; 76540 (Killeen) $1,240 / $1,720.
- 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 Killeen city, Texas ($215,400, $1,208/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — La Crosse Regional (NWS) (USW00014920); San Antonio Intl (NWS) (USW00013958).
- 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.