What is O-1 BAH at Fort Knox in 2026?

$1,710 per month with dependents ($20,520 per year), effective 01 JAN 2026. Without dependents it is $1,503 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-1 BAH at Fort Knox 2026 — $1,710 with dependents, $1,503 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Fort Knox, KY

O-1 · with dependents

$1,710/ month

$20,520 / year

At O-1, this is #246 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218

MHA KY110 · ZIPs 40104 40108 40117 40121 40122 40142 +16 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$2,192 / mo gross

Without dependents here$1,503 / mo

In government quarters, no dependents$50.10 / mo partial

Fort Knox — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,575	$1,350
E-2	$1,575	$1,350
E-3	$1,575	$1,350
E-4	$1,575	$1,350
E-5	$1,647	$1,443
E-6	$2,136	$1,602
E-7	$2,241	$1,680
E-8	$2,352	$1,764
E-9	$2,505	$1,893
Warrant officer
W-1	$2,157	$1,617
W-2	$2,286	$1,746
W-3	$2,424	$1,911
W-4	$2,538	$2,157
W-5	$2,679	$2,265
Officer — prior enlisted
O-1E	$2,259	$1,695
O-2E	$2,403	$1,860
O-3E	$2,559	$2,130
Officer
O-1	$1,710	$1,503
O-2	$2,133	$1,683
O-3	$2,421	$1,956
O-4	$2,724	$2,241
O-5	$2,943	$2,301
O-6	$2,964	$2,403
O-7	$2,985	$2,442

What this rate means

O-1 with dependents, nearest stations0 – $5,172 / month

San Francisco$5,172

Fort Hood$1,731

County Cost Group 760$1,728

Cheyenne$1,725

Yuma$1,722

Fort Knox$1,710

Fort Drum$1,701

Montgomery$1,701

County Cost Group 750$1,683

Morgantown$1,683

Youngstown$1,218

Fort Knox is #246 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

Every pay grade at Fort Knox0 – $2,985 / month

E-1$1,575

E-2$1,575

E-3$1,575

E-4$1,575

E-5$1,647

E-6$2,136

E-7$2,241

E-8$2,352

E-9$2,505

W-1$2,157

W-2$2,286

W-3$2,424

W-4$2,538

W-5$2,679

O-1E$2,259

O-2E$2,403

O-3E$2,559

O-1$1,710

O-2$2,133

O-3$2,421

O-4$2,724

O-5$2,943

O-6$2,964

O-7$2,985

Promoting to O-2 here adds $423 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Fort Knox to San Francisco at O-1 is worth $3,462 a month — about 8 promotions worth of housing allowance, at $423 per grade here.

Dependency status is worth 14% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

None of it is taxed. $1,710 a month of BAH takes more than $1,710 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

O-1 at Fort Knox draws $1,710 per month with dependents in 2026, $1,503 without

What this rate means

Things the rate table doesn't tell you