3 guides in Kentucky: 3 Army installations. At E-5 with dependents, 2026 BAH runs from $1,410 a month at Blue Grass Army Depot to $1,815 at Fort Campbell, across 3 housing areas, set against HUD's fair market rent for a 3-bedroom home near each.
Rates last verified August 2026 against the published source tables.
3 guides · Military pay exempt from KY income tax · TRICARE East (Humana) · E-5 with dependents: $1,410 to $1,815 BAH across 3 housing areas
| Installation | City | Branch | Allowance at E-5 with dependents | Against local rent |
|---|---|---|---|---|
| Blue Grass Army Depot | Richmond | Army | $1,410 BAH | Covers a 3-bedroom with only $35 to spare |
| Fort Campbell | Fort Campbell | Army | $1,815 BAH | Covers a 3-bedroom with only $29 to spare |
| Fort Knox | Fort Knox | Army | $1,647 BAH | Covers a 3-bedroom with $142 to spare |
At E-5 with dependents, 2026 BAH goes furthest at Fort Knox, where it covers a 3-bedroom with $142 to spare, and least far at Fort Campbell, where it covers a 3-bedroom with only $29 to spare. It covers HUD's 3-bedroom rent at all 3 installations.
| Installation | 2026 BAH | HUD 3-bedroom rent | After rent |
|---|---|---|---|
| Fort Knox | $1,647 | $1,505 | $142 left |
| Blue Grass Army Depot | $1,410 | $1,375 | $35 left |
| Fort Campbell | $1,815 | $1,786 | $29 left |
HUD's FY2027 fair market rent is the 40th-percentile gross rent for the area, utilities included, which is what BAH is meant to cover; it is a benchmark, not a listing. Source: HUD.
Kentucky. Kentucky fully exempts active-duty military pay from state income tax.
SCRA. Under the Servicemembers Civil Relief Act your military pay is taxed by the state you are domiciled in, not by the one your duty station sits in. Being assigned to an installation in Kentucky does not by itself change which state may tax you, and it does not create a filing obligation where you are stationed.
TRICARE East. Care at all 3 installations in Kentucky falls under the TRICARE East region, administered by Humana Military — enrollment and claims run through 800-444-5445.
Maintained by PCS Calculator, an independent site run by an active-duty service member. BAH checked against DTMO's 2026 table on 19 August 2026; rents from HUD's FY2027 fair market rents, fetched 28 September 2026; state tax treatment of military pay checked 19 August 2026; TRICARE regions checked 27 August 2026. This page was last updated 5 November 2026. How every figure on this site is checked