Compare military bases / Fort McCoy → Fort Stewart
McCoy → Stewart
Compare Fort McCoy and Fort Stewart
Will my BAH (Basic Allowance for Housing) go up or down if I move from Fort McCoy to Fort Stewart?
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 Stewart
- $1,947
- Higher BAH at Fort Stewart
BAH minus HUD 2-bedroom rent for the ZIP nearest each base.
- Fort McCoy
- +$210/mo
- Fort Stewart
- +$537/mo
Housing just outside the gate: Sparta vs Hinesville
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 Stewart Hinesville 31313 | |
|---|---|---|
| Median home value (city) | $180,600 | $196,400 |
| Median gross rent (city) | $861/mo | $1,212 |
| HUD ZIP 2-BR rent | $1,080/mo | $1,410 |
| HUD ZIP 3-BR rent | $1,430/mo | $1,870 |
| HUD metro 2-BR rent (wider area) | $1,036/mo | $1,406 |
| E-5 without dependents minus 2-BR | +$210/mo | +$537/mo |
| E-5 with dependents minus 3-BR | −$35/mo | +$440/mo |
E-5 without dependents vs a HUD 2-bedroom is +$210/mo at Fort McCoy vs +$537/mo at Fort Stewart. E-5 with dependents vs a 3-bedroom is −$35/mo vs +$440/mo.
Host-state comparison: Wisconsin vs. Georgia
| Wisconsin | Georgia | |
|---|---|---|
| Sales tax | 5.72% | 7.49% |
| Property tax | 1.32% | 0.79% |
| Personal property tax | No | No |
| Top state income tax | 7.65% | 5.19% |
| Median home value | $338,665 | $335,116 |
| Branch | Army | Army |
| HUD 2-BR FMR | $1,036 | $1,406 |
| Climate high/low | 59° / 39°F | 78° / 53°F |
| Annual precip | 35.2 in | 46.9 in |
| Nearby city | Sparta | Hinesville |
| Host state | Wisconsin | Georgia |
Click here for the full state comparison: Wisconsin → Georgia
PCS checklist for Fort Stewart
- Update DEERS. BAH at Fort Stewart uses MHA GA080 (ZIP 31314).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near Fort Stewart is $1,406/mo. On-base housing is separate.
- New Georgia residents typically have 30 days for a license and 30 days to title a car.
- Reporting: Fort Stewart.
Biggest differences
- E-5 with-dependents BAH is higher at Fort Stewart ($2,310 vs $1,395).
- Median owner-occupied home value in the off-base city is $196,400 in Hinesville vs $180,600 in Sparta (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $1,410 in 31313 vs $1,080 in 54656.
- Host-state wage tax is Top listed rate 7.65% in Wisconsin vs Top listed rate 5.19% in Georgia (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 7.49% in Georgia vs 5.72% in Wisconsin.
Common questions
Can I PCS from Fort McCoy to Fort Stewart?
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 McCoy to Fort Stewart?
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 $2,310; without dependents: $1,290 vs $1,947.
What is local rent like near Fort Stewart?
HUD FY2026 Small Area FMR for ZIP 31313 (Hinesville) is $1,410/mo for a 2-bedroom and $1,870/mo for a 3-bedroom. The wider metro 2-BR FMR is $1,406/mo.
What do homes cost in Sparta vs Hinesville?
Census ACS 5-year (2020–2024) median value of owner-occupied homes is $180,600 in Sparta city, Wisconsin vs $196,400 in Hinesville city, Georgia. Median gross rent in those cities is $861 vs $1,212. These are city medians (owners’ reported values), not last month’s sale prices.
Will BAH cover off-base rent if I PCS from Fort McCoy to Fort Stewart?
E-5 without dependents minus a HUD 2-bedroom is +$210/mo at Fort McCoy vs +$537/mo at Fort Stewart. E-5 with dependents minus a 3-bedroom is −$35/mo vs +$440/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 Stewart?
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%. Georgia: Top listed rate 5.19%. 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 McCoy (WI318); Fort Stewart (GA080). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Monroe County $1,036; Liberty County $1,406.
- 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; 31313 (Hinesville) $1,410 / $1,870.
- 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 Hinesville city, Georgia ($196,400, $1,212/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — La Crosse Regional (NWS) (USW00014920); Savannah Intl (NWS) (USW00003813).
- Host-state wage tax. Statewide listed rates for Wisconsin and Georgia 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 Georgia. 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 Georgia. 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%); Georgia motor-vehicle agency (license 30 days, title 30 days; title tax 7.00%). 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 Wisconsin and Georgia. 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 Georgia. Backdrop for off-base purchase prices; on-base housing and BAH are separate.