The rate
A W-1 with dependents at Fort Sill draws $1,509 a month in BAH in 2026. Without dependents it is $1,206.
BAH is tax free and it follows the duty station. The published rate is the same for everyone at your grade and dependency status, whether they rent or buy.
If the rate drops next year you keep the higher number for as long as you stay at Fort Sill at the same grade and dependency status. That is called rate protection. New arrivals get the current year's rate. DoD usually publishes next year's rates in mid-December and they start January 1.
What $1,509 buys in Lawton
The rate is the Freddie Mac weekly average as of 10/8/26, and this number moves with it. Run your own numbers with BAS, disability pay, or a second income.
Property tax is figured at 1.11% of value a year and insurance at $19.28 per $1,000 of coverage. Those are Lawton numbers. A house you just bought can run a little higher on tax, closer to 1.2% inside Lawton city limits.
The median sale in Comanche County is $199,900 so far this year. That is about $411 a month short of the payment on a median-priced house. Every extra $100 a month you put toward the payment is roughly $10,400 more house, so base pay or a second income moves you up quickly.
If you have a service-connected disability rating of 10% or higher, the VA funding fee is waived and the same $1,509 carries about $159,500.
Adding BAS or base pay
BAS is $328.48 a month for officers in 2026. It is tax free and lenders count it. Put all of it toward the payment and the price goes to about $191,300.
I would not plan on spending all of it. BAS is your grocery money. What it tells you is that there is room above the BAH number if you want it. The BAH calculator lets you run it both ways, and the VA loan calculator adds base pay and a spouse's income to the picture.
Renting on the same allowance
A single-family house in Lawton rents for somewhere around $1,200 to $1,300 a month. This is a single-family-home town on both sides of the deal, so that is the number to compare against.
Your $1,509 is above that range. Put the whole allowance toward a purchase and it carries about $157,100, with the principal and interest fixed for thirty years.
What decides it is usually how long you will be here and what you do with the house when you leave. Fort Sill turns over enough tenants that keeping it as a rental works more often than people expect.
Other PCS numbers for a W-1 with dependents
| Household goods weight allowance, with dependents | 12,000 lb |
| Professional gear, on top of that | 2,000 lb |
| BAS, per month | $328.48 |
| Temporary lodging (TLE) on a stateside move | up to 21 days |
The weight allowance comes from the Joint Travel Regulations. Confirm yours with the transportation office when you get counseled. The Fort Sill PCS checklist walks through the move itself.
Common questions
How much is W-1 BAH at Fort Sill in 2026?
$1,509 a month with dependents and $1,206 a month without. Those rates took effect January 1, 2026 for the Fort Sill / Lawton military housing area.
How much house can a W-1 with dependents buy at Fort Sill on BAH alone?
About $157,100 with a VA loan and nothing down at 7.40%, counting Lawton property tax and homeowners insurance. Base pay, BAS, or a second income raises that.
Can I use my Fort Sill BAH to qualify before I get there?
Yes. With orders in hand a lender can qualify you on the Fort Sill rate before you report. Plenty of families close within a week or two of arriving.
Other pay grades, with dependents
- E-1 to E-4$1,203 a month
- E-5$1,233 a month
- E-6$1,494 a month
- E-7$1,587 a month
- E-8$1,692 a month
- E-9$1,842 a month
- W-1$1,509 a month
- W-2$1,632 a month
- W-3$1,761 a month
- W-4$1,872 a month
- W-5$2,013 a month
- O-1E$1,605 a month
- O-2E$1,740 a month
- O-3E$1,893 a month
- O-1$1,272 a month
- O-2$1,491 a month
- O-3$1,758 a month
- O-4$2,055 a month
- O-5$2,271 a month
- O-6$2,286 a month
- O-7$2,298 a month