Fort Cavazos BAH Rates 2026
Fort Cavazos' BAH is set by Military Housing Area **TX286**, which covers Killeen and the rest of Bell County. Every rank below is the actual 2026 rate for this MHA — not a national average, not an estimate.
Enlisted
| Rank | Without Dependents | With Dependents |
|---|---|---|
| E-1 | $1,374/mo | $1,662/mo |
| E-2 | $1,374/mo | $1,662/mo |
| E-3 | $1,374/mo | $1,662/mo |
| E-4 | $1,374/mo | $1,662/mo |
| E-5 | $1,530/mo | $1,695/mo |
| E-6 | $1,626/mo | $1,920/mo |
| E-7 | $1,668/mo | $2,070/mo |
| E-8 | $1,746/mo | $2,238/mo |
| E-9 | $1,806/mo | $2,409/mo |
Warrant
| Rank | Without Dependents | With Dependents |
|---|---|---|
| W-1 | $1,665/mo | $1,938/mo |
| W-2 | $1,743/mo | $2,139/mo |
| W-3 | $1,812/mo | $2,346/mo |
| W-4 | $1,950/mo | $2,433/mo |
| W-5 | $2,109/mo | $2,544/mo |
Officer
| Rank | Without Dependents | With Dependents |
|---|---|---|
| O-1 | $1,623/mo | $1,731/mo |
| O-1E | $1,692/mo | $2,100/mo |
| O-2 | $1,689/mo | $1,917/mo |
| O-2E | $1,788/mo | $2,313/mo |
| O-3 | $1,833/mo | $2,340/mo |
| O-3E | $1,908/mo | $2,451/mo |
| O-4 | $2,076/mo | $2,577/mo |
| O-5 | $2,169/mo | $2,748/mo |
| O-6 | $2,325/mo | $2,769/mo |
| O-7 | $2,361/mo | $2,787/mo |
How BAH Is Calculated Here
BAH isn't a flat, made-up number — it's recalculated every year from an actual survey of the local rental market. Each Military Housing Area gets its own annual survey of median rent plus average utility costs (electricity, heat, and water/sewer) for six housing profile categories, and the Department of Defense sets a separate rate for every paygrade, with and without dependents, based on which housing profile fits that paygrade.
That's why the E-1 through E-4 rate is identical at $1,374 (or $1,662 with dependents) here — those four grades share the same housing profile in the DoD's model, and the difference only starts showing up at E-5.
One protection worth knowing: BAH can't drop for you personally while you're still assigned here, even if the local market rate falls the next year. If TX286's rate goes down, you keep your higher rate until you PCS or get promoted into a new bracket. It can only go up for you mid-assignment, never down.
What BAH Actually Covers at Fort Cavazos
BAH at Fort Cavazos is built to cover the median rent plus average utilities for a home matching your paygrade's housing profile in the Killeen rental market — it's not a guarantee that covers any specific address you pick. Find something below the local median and BAH can cover the full rent with room left over. Find something above it — a newer build, a bigger yard, a neighborhood closer to base — and you're covering the difference out of pocket.
This is exactly why BAH applied to a mortgage works differently than BAH applied to rent: a mortgage builds equity with every payment, even the portion above the median. Rent is gone the day you send it.
How It Compares
Bell County's rental market is one of the more affordable stops in the Army's rotation, which means the gap between what BAH pays out here and what a starter mortgage payment actually costs is often smaller than people assume before they run the numbers.
Don't guess at that gap. Use the BAH calculator to plug in your actual rank, dependent status, and a real listing price at Fort Cavazos, and see the side-by-side for yourself.