O-3 BAH Rates in Fort Knox, KY (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Fort Knox, KY is $2,421 per month with dependents and $1,956 per month without dependents. This rate is $438 below the national average for O-3.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in Fort Knox is approximately $10,486.48 with dependents or $10,021.48 without.

O-3 BAH: Fort Knox vs National Average

	Fort Knox	National Avg	Difference
With Dependents	$2,421	$2,859	−$438
Without Dependents	$1,956	$2,493	−$537

O-3 Total Monthly Compensation in Fort Knox

Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Fort Knox:

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$2,421	$1,956
BAS	$328.48	$328.48
Total	$10,486.48	$10,021.48

Base pay shown for 6 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.

Other Ranks in Fort Knox

• E-3 — $1,575/mo
• E-4 — $1,575/mo
• E-5 — $1,647/mo
• E-6 — $2,136/mo
• E-7 — $2,241/mo
• O-1 — $1,710/mo
• O-2 — $2,133/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-3 in Fort Knox?

The 2026 O-3 BAH rate in Fort Knox is $2,421/mo with dependents and $1,956/mo without dependents.

What is the total monthly pay for O-3 in Fort Knox?

An O-3 with 6 years of service in Fort Knox earns approximately $10,486.48/mo total compensation with dependents (base pay $7,737 + BAH $2,421 + BAS $328.48). Without dependents: $10,021.48/mo.

Is Fort Knox BAH above or below average?

O-3 BAH in Fort Knox is $438 below the national average of $2,859/mo with dependents.

View all Kentucky BAH rates →