BAH Calculator 2026: Basic Allowance for Housing by Location
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
Army Base Guide
TL;DR: PCSing to Eielson AFB or Fort Wainwright means trading familiar stateside comforts for one of the most unique — and rewarding — military assignments in the world. Specifically, this guide covers overseas tour rules, housing managers, and 2026 BAH rates. It also walks through schools, cost of living, winter prep, and what military families actually think about living in Fairbanks, Alaska.
If you just got orders to Eielson Air Force Base or Fort Wainwright, welcome to the Last Frontier. You’re about to live somewhere most people only dream about visiting. Yes, it gets cold. The sun also disappears for a while. Your winter wardrobe will need a complete overhaul. Ask almost any military family who’s been stationed in Fairbanks, however, and most will tell you it was their favorite assignment.
This guide is built for you — the service member or military spouse who just got those orders. We’ve pulled together 2026 BAH rates, housing contacts, on-post school names, and cost of living data. Additionally, you’ll find the real talk about what life in Interior Alaska looks like for a military family.
Join the Eielson AFB & Fort Wainwright PCS Pay-It-Forward® Facebook group for community advice and housing recommendations. Families who’ve already been there will answer your questions directly.
Starting your PCS? Build your free personalized PCS Plan →
These are two separate installations located about 26 miles apart, both in the Fairbanks, Alaska area. They are not the same base, though families from both installations share much of the same community infrastructure.
Both installations have their own housing, schools, and support services. Because Fairbanks is a relatively small community, the two bases share many resources, shopping options, and off-post neighborhoods.
This is one of the most important things to understand before your PCS. Most guides leave it out entirely. Alaska is a U.S. state — however, assignments to Eielson AFB, Fort Wainwright, and Fort Greely are treated as overseas tours. This applies specifically to PCS orders and entitlements.
Furthermore, contact your Airman & Family Readiness Center (Eielson) or Army Community Service (Fort Wainwright) as soon as orders arrive. You’ll need to understand your entitlements and start the housing application right away. Do not wait until 30 days before your report date.
Both Eielson AFB and Fort Wainwright fall under the Fairbanks, AK BAH rate area. Alaska BAH rates are among the highest in the country, reflecting the elevated cost of housing. Additionally, Alaska COLA supplements BAH with approximately $700–$1,000 per month depending on pay grade and dependency status. That supplement is a critical budget factor — covered in the cost of living section below.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-4 | $2,088 | $1,605 |
| E-5 | $2,208 | $1,758 |
| E-6 | $2,364 | $1,908 |
| E-7 | $2,496 | $2,016 |
| E-8 | $2,670 | $2,166 |
| E-9 | $2,787 | $2,268 |
| O-1E | $2,208 | $1,776 |
| O-2E | $2,496 | $2,016 |
| O-3E | $2,793 | $2,268 |
| O-4 | $3,009 | $2,439 |
| O-5 | $3,375 | $2,736 |
| O-6 | $3,801 | $3,087 |
⚠️ Verify current rates at the DoD BAH calculator. Rates are updated annually each January.
For a deep dive on how BAH works and how to use it wisely during your PCS, see our 2026 BAH Rates Guide →
Eielson’s on-post family housing is owned and managed by Corvias Military Living. Corvias offers a variety of floor plans ranging from two to four bedrooms. Specifically, options include single-family homes, duplexes, and multiplexes across several on-base neighborhoods. Amenities include a bark park, ice skating rink, community garden, lawn care, and snow removal — all included.
Corvias Military Homes — Eielson Contact Information:
Important note about utilities: On-post housing at Eielson typically includes utilities up to a baseline usage allowance. Therefore, living on-post makes strong financial sense at Eielson. Off-post utility costs — particularly heating — can consume a significant portion of BAH. Even though off-post houses may seem affordable, utility costs in Fairbanks are substantial. Research carefully before renting off-post.
The Eielson Child Development Center (CDC) sits at 2449 French Creek Drive. It accepts children from 6 weeks to 5 years of age. Available programs include weekly care, drop-in care, and a preschool program. Reservations for drop-in care are first-come, first-served based on availability. Contact the CDC early — childcare availability in Fairbanks overall is limited, and wait lists are common.
Most families living off-post near Eielson choose North Pole, Alaska. This small city sits about 2–9 miles from the main gate depending on the neighborhood. North Pole has a distinct small-town community feel and is popular with military families.
| Home Type | Monthly Rent Range |
|---|---|
| 2BR apartment/townhome | $1,200 – $1,700 |
| 3BR house | $1,500 – $2,200 |
| 4BR house | $1,800 – $2,600 |
| Single-wide mobile home | $900 – $1,400 |
If you’re considering a VA Home Loan for a purchase in Alaska, our team can connect you with a lender who knows the Alaska market. Learn about VA Home Loans →
Don’t navigate Alaska housing alone. Get your free PCS Plan — including a local Ambassador who knows the Fairbanks market →
Fort Wainwright’s on-post family housing is owned and managed by North Haven Communities. Homes range from two to five bedrooms and feature modern finishes, fenced yards, and open layouts. Additionally, North Haven amenities include a community center with an indoor playground, fitness centers, pools, and walking trails. A community garden and year-round resident events round out the program. The community is also open to DoD civilian employees, retirees, and reservists.
North Haven Communities — Fort Wainwright Contact Information:
Reality check on wait times: On-post housing at Fort Wainwright has a wait list of approximately 6–12 months for most family home types. Apply the day you receive orders — not 30 days before you report. Most families plan to live off-post initially and transition to on-post housing when a unit becomes available.
Fort Wainwright sits on the east side of Fairbanks, giving families easy access to the city’s retail corridor, restaurants, and services. Several neighborhoods work well for Wainwright families, though some areas require more research than others.
| Home Type | Monthly Rent Range |
|---|---|
| 2BR apartment | $1,100 – $1,600 |
| 3BR house | $1,400 – $2,100 |
| 4BR house | $1,700 – $2,500 |
Buying a home in Fairbanks? Connect with a VA-savvy real estate agent in Alaska →
Military families at Eielson and Fort Wainwright have access to on-post schools and the Fairbanks North Star Borough School District (FNSBSD) for off-post families. Notably, Eielson does not use DoDEA schools. Instead, all on-post schools at Eielson are part of FNSBSD — even though they’re physically located on base.
There are three schools located on Eielson AFB, all operated by the Fairbanks North Star Borough School District:
Children living in base housing automatically attend these on-post schools. Students living off-post may request to attend on-base schools, though parents must provide transportation in that case. Additionally, the district provides bus transportation for students living more than 1.5 miles from an off-base public school.
Middle school and high school students at Fort Wainwright attend FNSBSD schools off-post.
Families living off-post near either installation enroll in FNSBSD. The district serves Fairbanks, North Pole, and surrounding communities. School quality ranges generally from 5–7 out of 10 — functional and military-family-experienced, though not exceptional. Alaska schools broadly face funding challenges and teacher retention issues. However, schools in the University area near UAF tend to perform slightly better, given the educated parent community in that neighborhood.
| School | Type | Grades | Notes |
|---|---|---|---|
| Hutchison High School | Public | 9–12 | Best academic options; AP classes; military-friendly |
| North Pole High School | Public | 9–12 | Small school, tight-knit community |
| Lathrop High School | Public | 9–12 | Large, diverse; near Fort Wainwright |
| Ryan Middle School | Public | 6–8 | Near UAF, good teachers |
| North Pole Middle School | Public | 6–8 | Small class sizes |
| Denali Elementary | Public | K–5 | University area; strong academics |
| North Pole Elementary | Public | K–5 | Military-friendly; small-town feel |
| Effie Kokrine Charter School | Charter | K–12 | Alaska Native focus; lottery-based enrollment |
FNSBSD Contact: (907) 452-2000 | www.k12northstar.org
FNSBSD has military liaison support. Specifically, contact the district’s student services office for help with transcript transfers and placement. This is especially important for students with IEPs or special needs. Also consider consulting our PCS Binder Checklist for a school records transfer checklist.
This is where you need to set realistic expectations. Fairbanks has a significantly higher cost of living than most CONUS assignments. Overall, it runs approximately 45% higher than the national average. Housing specifically sits about 50% above the national average. The good news: Alaska COLA supplements your BAH by approximately $700–$1,000 per month depending on rank and dependency status. Alaska also has no state income tax.
| Expense | Estimated Monthly Cost |
|---|---|
| 3BR rent off-post | $1,800 |
| Utilities (winter — heating oil, electric, water) | $400 |
| Groceries | $1,200 |
| Childcare (if not on CDC wait list) | $1,200 |
| Fuel | $200 |
| Internet (GCI or Alaska Communications) | $100 |
| Winter total (before COLA) | ~$4,900/month |
| Alaska COLA offset | $700–$1,000/month |
Consequently, budgeting carefully before you arrive is essential. COLA is not optional income — it’s a planned offset for Alaska’s higher costs. Without it, Fairbanks would be unaffordable on most enlisted pay grades.
Expect to pay 40–50% more for groceries than you would in the continental United States. Everything must be transported to interior Alaska, and that cost flows directly to consumers.
⚠️ Note: There is no Costco or Sam’s Club in Fairbanks. The nearest Costco is in Anchorage, approximately 360 miles south. Many families order shelf-stable goods through Amazon Subscribe & Save to manage grocery costs. Additionally, stock up on non-perishables — winter storms can delay shipments.
Fuel prices in Fairbanks typically run $0.50–$1.00+ higher per gallon than the national average, with diesel even higher. In winter, you’ll also be idling and warming up your vehicle more, which significantly increases fuel consumption and costs.
This is the big one. Heating in Fairbanks can be one of your largest monthly expenses off-post.
GCI and AT&T are the primary internet and cell providers in Fairbanks. Coverage is solid in the city and on both installations. However, remote areas outside Fairbanks have limited options. Starlink is popular with families in rural areas near both installations.
Here’s something most PCS guides don’t mention: if you establish Alaska residency, you and your dependents may be eligible for the Alaska Permanent Fund Dividend. This is an annual payment from the state’s oil revenue fund. In recent years, it has ranged from approximately $1,300–$2,000+ per person. Additionally, Alaska has no state income tax — a significant benefit for higher-earning service members and military spouses.
Military members have specific rules for PFD eligibility. Consult your Fort Wainwright JAG office or Eielson legal office before applying. Maintaining another state’s domicile for tax purposes may affect your eligibility.
Fairbanks is a small city of approximately 32,000 people with a limited private-sector job market. The main employers include Fort Wainwright, Eielson AFB, and the University of Alaska Fairbanks. Oil and gas support services, state and federal government, and healthcare round out the options. Consequently, spouses used to large suburban job markets may find fewer opportunities here.
The most successful strategy many military spouses use in Fairbanks is remote work. Internet is reliable in most areas — GCI fiber is widely available — and remote work avoids the cold-weather commute entirely. Additionally, Military Spouse Preference (MSP) applies to NAF jobs at both Fort Wainwright and Eielson. Because there are two installations 26 miles apart, dual-base job opportunities are broader than at a typical single-installation community. Check both installations’ HR offices when you arrive.
You cannot PCS to Fairbanks without being mentally and practically prepared for winter. Moreover, the preparation isn’t difficult. It’s simply different from anything you’ve experienced at most other duty stations.
This is not optional. You must winterize your vehicle properly in Fairbanks:
⚠️ Important: Your car will not start at -40°F without a block heater if left unplugged overnight. This is not an exaggeration. Have a plan.
Budget for a significant cold-weather gear investment before you arrive — not after:
Budget estimate for a family of four: $500–$1,500 depending on what you already own. Order before you arrive — selection in Fairbanks is more limited than in major CONUS cities.
This is where Fairbanks consistently surprises military families. The outdoor recreation opportunities here are genuinely world-class, and MWR at both installations makes accessing them significantly more affordable.
MWR at both Eielson and Fort Wainwright is excellent and heavily discounted. Specifically, services include outdoor gear rentals (snowshoes, kayaks, camping equipment), hunting and fishing license assistance, and organized recreational trips. Both installations also have fitness centers, pools, bowling alleys, and movie theaters. Additionally, the Auto Skills Centers on both posts offer garage bays and tools for DIY vehicle maintenance — particularly useful for winterization projects.
Bassett Army Community Hospital is the primary military treatment facility for both Fort Wainwright and Eielson AFB families. It’s a full-service hospital with emergency care available 24/7.
Fairbanks has limited civilian TRICARE network coverage compared to most CONUS assignments. This is an important planning factor:
If you’re managing a complex medical situation or need specific specialty care, discuss your PCS to Fairbanks with your current medical team and TRICARE case manager before your PCS date.
Many families choose to drive to Alaska via the Alaska Highway. It’s a genuine bucket-list experience, but it requires planning:
For recommended ALCAN resources, visit The Milepost — the definitive Alaska Highway travel guide.
If you don’t drive the ALCAN, you can ship your POV through your PCS orders. The port for Alaska vehicle shipments is typically Tacoma, Washington or Anchorage, Alaska. Your TMO/transportation office will provide current specifics.
Fairbanks International Airport (FAI) connects to Alaska Airlines and Delta, with routes through Anchorage and Seattle. This option is the fastest, but you’ll need to arrange vehicle shipping separately.
Alaska is a non-temporary storage eligible location. Consequently, some families opt to store a portion of their household goods CONUS rather than ship everything, especially for shorter assignments. Discuss your storage options with your transportation office. Items most families want shipped: cold-weather gear, vehicles (or make them ship-ready), and any outdoor recreation equipment. One caution: electronics and some furniture can be damaged by extreme cold if stored in unheated spaces off-post.
See our DITY/PPM Move Guide for whether a partial or full DITY makes financial sense for an Alaska move.
Alaska is a CONUS COLA eligible location. This means you receive an additional monthly allowance — typically $700–$1,000 per month — to offset the higher cost of living. COLA rates vary by pay grade, dependency status, and zip code. Check your current rate at your finance office or through MilitaryOneSource.
You’re authorized up to 10 days of TLE during a PCS (combined for both origin and destination). Alaska lodging is expensive; therefore, maximize your authorized TLE days at the destination, particularly while waiting for housing.
Alaska installations pay CONUS BAH + COLA rather than OHA (which is for OCONUS locations). Alaska is a U.S. state, so it uses the CONUS BAH system. Many service members assume they’ll receive OCONUS OHA for Alaska — that is incorrect. Plan accordingly.
Ready to get organized? Build your free Alaska PCS Plan with a local Ambassador who knows Fairbanks →
Information in this guide reflects 2026 data and was compiled from official military, DoD, and community sources. Always verify rates, phone numbers, and specific policies with your gaining installation before your PCS.
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
Start Your Free Pay it Forward PCS Plan™— Personalized Support for Your Next Military Move Your Next PCS Shouldn’t Be a Guessing Game Orders drop
This guide covers everything military families need to know about the VA home loan benefit — eligibility, how BAH counts as qualifying income, the four VA loan types (including IRRRL for refinancing a higher rate), funding fees, and how to use your benefit more than once when you PCS.
Free PCS Planning Toolkit — Military Families Since 2016 Your Personal Guide to Every Military Move Whether it’s your first PCS or your fifth, you