Fort Knox: 2026 BAH, On-Post Housing and Neighborhoods
An E-5 with dependents at Fort Knox receives $1,647 a month in BAH for 2026 ($1,443 without dependents) in the Fort Knox, KY (KY110) area. Most off-post families live in Elizabethtown, Radcliff or Vine Grove; 16 of 111 ranked subdivisions there have an estimated payment at or under the E-5 BAH, led by Rolling Oaks in Radcliff ($150,000), Grand View in Elizabethtown ($165,000), Airview Estates in Elizabethtown ($172,500). On post, family housing is run by Knox Hills LLC; every incoming soldier must first report to the Housing Services Office at 502-624-8084.
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2026 BAH rates at Fort Knox, E-1 to O-10
| Pay grade | With dependents | Without dependents |
|---|---|---|
| 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 |
| 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 |
| O-1E | $2,259 | $1,695 |
| O-2E | $2,403 | $1,860 |
| O-3E | $2,559 | $2,130 |
| 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 to O-10 | $2,985 | $2,442 |
On-post housing at Fort Knox
How it works
All incoming soldiers must first report to the Housing Services Office to in-process housing before agreeing to rent or buy anywhere, on or off post. The office then gives referrals to Knox Hills or to off-post options. Knox Hills handles on-post family housing applications directly.
Who runs it
Knox Hills LLC, the private company that owns, operates and maintains all family housing on post (privatized with Actus Lend Lease). Website: knoxhills.com.
The waitlist
The official page gives no wait time for Knox Hills family housing. Call Knox Hills at 502-378-3708 for current availability.
Who can live there
Single soldiers in grades E-1 through E-5 must live in the barracks, which are furnished and do not allow pets of any kind or overnight guests in permanent-party rooms. Soldiers who need housing for an Exceptional Family Member go through their chain of command to the housing office.
Who to call
- Housing Services Office, Building 1110A Suite 101: 502-624-8084
- Knox Hills LLC (on-post family housing): 502-378-3708
- Transient Billeting: 502-943-1000
Official housing page: Military OneSource, Fort Knox housing. Phone numbers and wait times change, so confirm before you rely on them.
Where Fort Knox families live: Elizabethtown, Radcliff and Vine Grove
| City | Sales | Median | Ranked subdivisions | Most affordable ranked | Crime (FBI 2025) | Property tax |
|---|---|---|---|---|---|---|
| Elizabethtown | 1,351 | $310,000 | 75 | Grand View ($165,000), Airview Estates ($172,500), Heritage Manor ($175,000) | B | 0.774% |
| Radcliff | 425 | $239,900 | 27 | Rolling Oaks ($150,000), Happy Valley ($176,125), The Woods at Atcher ($192,000) | C | 0.749% |
| Vine Grove | 344 | $286,990 | 9 | Meadowbrook ($174,000), Falcon Heights ($214,435), Falcon Hills ($219,900) | A | 0.755% |
Can you buy near Fort Knox on BAH alone?
| Grade | 2026 BAH (with dependents) | Ranked subdivisions that fit | Highest-priced that fits |
|---|---|---|---|
| E-1 to E-4 | $1,575 | 13 of 111 | Haycraft Addition, Elizabethtown ($205,000) |
| E-5 | $1,647 | 16 of 111 | Whispering Hills, Radcliff ($215,000) |
| E-6 | $2,136 | 50 of 111 | Mill Station, Elizabethtown ($278,750) |
| E-7 | $2,241 | 59 of 111 | Sandy Springs, Elizabethtown ($290,475) |
| E-8 | $2,352 | 67 of 111 | Pellman Acres, Elizabethtown ($305,000) |
| E-9 | $2,505 | 77 of 111 | Sportsman Lake, Elizabethtown ($324,000) |
| W-1 | $2,157 | 53 of 111 | Oak Valley, Elizabethtown ($280,000) |
| W-2 | $2,286 | 60 of 111 | Cardinal Acres, Elizabethtown ($298,000) |
| W-3 | $2,424 | 70 of 111 | Bon Aire, Elizabethtown ($316,250) |
| W-4 | $2,538 | 77 of 111 | Sportsman Lake, Elizabethtown ($324,000) |
| W-5 | $2,679 | 81 of 111 | Vineland Park, Vine Grove ($350,000) |
| O-1 | $1,710 | 20 of 111 | Tanglewood, Radcliff ($222,500) |
| O-2 | $2,133 | 50 of 111 | Mill Station, Elizabethtown ($278,750) |
| O-3 | $2,421 | 70 of 111 | Bon Aire, Elizabethtown ($316,250) |
| O-4 | $2,724 | 83 of 111 | Meadows at Cowley Crossing, Elizabethtown ($352,700) |
| O-5 | $2,943 | 95 of 111 | Bent Creek, Elizabethtown ($380,000) |
| O-6 | $2,964 | 96 of 111 | Hartland, Elizabethtown ($385,000) |
Frequently asked questions about Fort Knox housing
How much is BAH for an E-5 with dependents at Fort Knox in 2026?
In the Fort Knox, KY (KY110) military housing area, the 2026 BAH for an E-5 with dependents is $1,647 a month and $1,443 without dependents. The full E-1 to O-10 table is above on this page.
Source: DoD Defense Travel Management Office, BAH Rate Lookup
Which BAH area covers Fort Knox?
DoD lists Fort Knox in the Fort Knox, KY (KY110) housing area. You are paid the rate for your duty station's ZIP code, not for where you choose to live, so living farther out does not change your BAH. Fort Knox sits in Hardin and Meade counties; most families look at Elizabethtown, Radcliff and Vine Grove.
Source: DoD BAH Rate Lookup
How long is the on-post housing waitlist at Fort Knox?
The official page gives no wait time for Knox Hills family housing. Call Knox Hills at 502-378-3708 for current availability.
Who runs on-post housing at Fort Knox and who do I call?
Knox Hills LLC, the private company that owns, operates and maintains all family housing on post (privatized with Actus Lend Lease). Website: knoxhills.com. All incoming soldiers must first report to the Housing Services Office to in-process housing before agreeing to rent or buy anywhere, on or off post. The office then gives referrals to Knox Hills or to off-post options. Knox Hills handles on-post family housing applications directly. Numbers: Housing Services Office, Building 1110A Suite 101: 502-624-8084; Knox Hills LLC (on-post family housing): 502-378-3708; Transient Billeting: 502-943-1000. Confirm numbers and wait times before relying on them.
What are the key numbers for on-post housing at Fort Knox?
All family housing on post is run by Knox Hills LLC. Every incoming soldier must report to the Housing Services Office before renting or buying. Single soldiers E-1 to E-5 live in the barracks. Transient lodging is on post at Newgarden Inn and Wickam Inn.
Who has to live in the barracks or follow special rules at Fort Knox?
Single soldiers in grades E-1 through E-5 must live in the barracks, which are furnished and do not allow pets of any kind or overnight guests in permanent-party rooms. Soldiers who need housing for an Exceptional Family Member go through their chain of command to the housing office.
Which towns near Fort Knox do soldiers live in?
Most off-post families choose Elizabethtown, Radcliff or Vine Grove in Hardin County. Over the last two years the local MLS recorded 1,351 sales in Elizabethtown (median $310,000), 425 sales in Radcliff (median $239,900), 344 sales in Vine Grove (median $286,990). FBI 2025 crime grades are Elizabethtown B, Radcliff C, Vine Grove A; they are citywide, not street-level.
Source: Heart of Kentucky Association of REALTORS MLS; FBI UCR 2025
Can I use a VA loan to buy near Fort Knox, and what would it cost?
Yes, if you are eligible; VA loans typically need no down payment and no PMI. Our estimates assume 10% down at 7%, and on that basis 16 of 111 ranked Hardin County subdivisions fit an E-5 with dependents ($1,647). A VA quote from a lender will give your real number.
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