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
Airforce Base Guide
PCS orders to Fort Jackson or Shaw AFB land you in the heart of South Carolina — two distinct installations serving two branches, about 40 miles apart, embedded in communities that have supported military families for over a century. Start your planning now with a personalized PCS Plan© that maps your housing, schools, and timeline before the boxes are packed.
Fort Jackson is the U.S. Army’s largest and most active training installation, responsible for preparing roughly 50% of all soldiers and 60% of all women who enter the Army each year. It sits within the city limits of Columbia, South Carolina’s capital. Shaw AFB is home to the 20th Fighter Wing — the Air Force’s largest combat F-16 wing — and sits just west of Sumter, about 40 miles from Columbia. Both installations draw families into an affordable, warm-weather region with beaches, lake country, and genuine Southern hospitality.
Join the Fort Jackson & Shaw AFB PCS Pay-It-Forward® group to connect with families already there before you arrive.
| Fort Jackson | Shaw AFB | |
|---|---|---|
| Branch | U.S. Army | U.S. Air Force |
| Location | Columbia, SC (Richland County) | Sumter, SC (Sumter County) |
| Primary Mission | Basic Combat Training — trains ~50% of the Army | 20th Fighter Wing; HQ Ninth Air Force; USAF Central |
| Key Units | 165th Inf. Brigade, 193rd Inf. Brigade, Drill Sergeant Academy | 20th Fighter Wing, Ninth Air Force, US Air Forces Central |
| Personnel | Large transient training population + permanent party | 5,400+ military personnel; 11,000+ family members |
| Acreage | ~52,000 acres | 3,466 acres |
| Nearest City | Columbia, SC (on post) | Sumter, SC (adjacent); Columbia ~40 miles west |
| Beaches | Folly Beach, Kiawah Island ~2 hours | Myrtle Beach ~95 miles; Charleston ~2 hours |
| BAH MHA | Columbia / Fort Jackson, SC | Sumter / Shaw AFB, SC |
Important note for dual-military and Fort Jackson families: Because Fort Jackson and Shaw AFB are in different Military Housing Areas, your BAH is calculated based on your specific duty station — not the region. Confirm your MHA with your finance office before signing a lease. See our full 2026 BAH Rates Guide for more context on how MHAs work.
Fort Jackson BAH rates increased 3.3% from 2025 to 2026 and are ranked 40th highest among all Army installations. South Carolina’s cost of living is well below the national average, and in most cases your BAH will cover a full off-post rental or go a long way toward a mortgage payment. The VA Home Loan is especially powerful in this market. Verify your exact rate using the official DoD BAH Calculator.
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 through E-4 | $1,812/mo | $1,479/mo |
| E-5 | $1,878/mo | $1,647/mo |
| E-6 | $2,121/mo | $1,746/mo |
| E-7 | $2,160/mo | $1,812/mo |
| E-8 | $2,202/mo | $1,932/mo |
| E-9 | $2,310/mo | $1,995/mo |
| Grade | With Dependents | Without Dependents |
|---|---|---|
| W-1 | $2,136/mo | $1,803/mo |
| W-2 | $2,175/mo | $1,929/mo |
| W-3 | $2,235/mo | $2,004/mo |
| W-4 | $2,340/mo | $2,121/mo |
| W-5 | $2,475/mo | $2,166/mo |
| Grade | With Dependents | Without Dependents |
|---|---|---|
| O-1 | $1,914/mo | $1,743/mo |
| O-2 | $2,118/mo | $1,860/mo |
| O-3 | $2,232/mo | $2,028/mo |
| O-4 | $2,517/mo | $2,151/mo |
| O-5 | $2,724/mo | $2,172/mo |
| O-6 | $2,745/mo | $2,211/mo |
Shaw AFB BAH rates increased 4.9% from 2025 to 2026 — one of the larger increases in the Southeast — and are ranked 49th highest among all Air Force installations. Sumter is an affordable market where BAH stretches further than in most duty stations. The Shaw Housing Office can be reached at (803) 895-2421.
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 through E-4 | $1,440/mo | $1,149/mo |
| E-5 | $1,503/mo | $1,290/mo |
| E-6 | $1,947/mo | $1,461/mo |
| E-7 | $1,986/mo | $1,491/mo |
| E-8 | $2,025/mo | $1,596/mo |
| E-9 | $2,139/mo | $1,725/mo |
| Grade | With Dependents | Without Dependents |
|---|---|---|
| O-1 | $1,563/mo | $1,374/mo |
| O-2 | $1,944/mo | $1,494/mo |
| O-3 | $2,052/mo | $1,785/mo |
| O-4 | $2,361/mo | $1,980/mo |
| O-5 | $2,589/mo | $1,998/mo |
| O-6 | $2,607/mo | $2,031/mo |
Note that Shaw BAH is notably lower than Fort Jackson BAH at most grades. This reflects the Sumter area’s lower housing costs. However, your dollar goes further there — median rents in Sumter run approximately $900–$1,200/month for a 3-bedroom, and home purchase prices remain well below the national average. Many Shaw families find homeownership within comfortable reach using the VA Home Loan benefit.
On-post family housing at Fort Jackson is privatized and managed by Balfour Beatty Communities. The community includes 27 playgrounds, a fitness center, and 2-to-4-bedroom townhomes and single-family units assigned based on pay grade and family size. Home amenities typically include washer/dryer hookups, central AC, garage, and fireplace options.
Three on-post neighborhoods serve different populations: Pierce Terrace for enlisted active duty, and Mabry Manor and Howie Village for officers.
| Balfour Beatty Housing Office | (803) 738-8275 |
| Housing Services Office (off-post help, lease review) | (803) 751-5788 |
| Single Soldier Housing (E1–E5 required) | (803) 751-5446 — Freddie Stowers Complex |
The Housing Services Office assists with finding off-post housing, mediates landlord-tenant disputes, reviews leases, and helps with home inspections. Contact them before signing any off-post lease.
Northeast Columbia / Sandhills Area is one of the most popular choices for Fort Jackson families. Abundant shopping, newer master-planned communities, strong schools, and easy access to I-77 make this area a consistent PCS favorite. It offers a short commute to the main gate.
Blythewood attracts families who want more space, larger homesites, and strong school performance. It’s one of the more upscale suburban corridors near Columbia and consistently ranks well among military families for quality of life.
Irmo / Seven Oaks offers excellent schools, easy access to Lake Murray, and good commute times. It’s a favorite “middle ground” pick for dual-military families splitting between Fort Jackson and other work locations in the Columbia area.
Camden & Lugoff, northeast of Columbia via I-20, offer a slower small-town pace, historic charm, highly rated schools, and noticeably lower home prices. The tradeoff is a longer commute — plan it out before committing.
Forest Acres / Columbia City suits families who want proximity to hospitals, restaurants, museums, and city life. Older neighborhoods with character, short gate commutes, and lower rent floors make this a solid urban pick.
Off-post 3-bedroom rentals in the Columbia area typically run $1,400–$1,900/month, depending on neighborhood and condition. Purchase prices are competitive — the Fort Jackson market remains one of the more affordable for VA Loan buyers in the Southeast. For honest neighborhood intel, check the Fort Jackson PCS Pay-It-Forward® group, where families share real commute times and neighborhood experiences.
Shaw AFB housing was privatized in 2011 and is managed by Hunt Military Communities. Most units were newly built or substantially renovated after privatization, making base housing relatively modern. Three distinct neighborhoods serve different rank groups, all with access to parks, playgrounds, and a fitness center. On-base Child Development Center (CDC) access is a significant draw for families with young children.
| Shaw Housing Office | (803) 895-2421 |
Sumter city is the primary off-base community. The variety of housing is wide — older ranch-style homes on large half-acre lots, newer two-story homes in subdivisions, apartments in strong supply, and a charming historic district. Median rent in Sumter runs approximately $900–$1,200/month. For families buying, median home prices in Sumter remain very affordable, and the VA Home Loan goes a long way here.
Columbia is about 40 minutes west and offers a full city experience with more dining, entertainment, healthcare, and shopping options. Some Shaw families choose Columbia to split the difference, especially those with spouses who work in the capital area.
Real talk from Shaw families: the Sumter rental and purchase market is genuinely affordable. Many families stationed at Shaw find they can buy a comfortable home within BAH, build equity, and rent it out as an investment after their next PCS. Connect with the Fort Jackson & Shaw AFB PCS Pay-It-Forward® group to get current neighborhood recommendations.
Fort Jackson has two Department of Defense Education Activity (DoDEA) elementary schools serving military-connected students through Grade 6. Students living on post attend tuition-free. Those living off-post may apply for tuition-based enrollment.
| School | Grades | Address | Phone |
|---|---|---|---|
| Pierce Terrace Elementary | Pre-K – Grade 1 | 5705 Carter Road, Fort Jackson, Columbia, SC 29206 | (803) 782-1772 |
| C.C. Pinckney Elementary | Grades 2–6 | Fort Jackson, Columbia, SC | (803) 787-6815 |
Visit the official DoDEA sites: pierceterracees.dodea.edu and pinckneyes.dodea.edu. Pierce Terrace has an early release on the second Tuesday of each month.
All Fort Jackson middle and high school students attend off-post schools. On-post families in grades 7–8 typically attend Dent Middle School; high school students generally attend Richland Northeast High School. Most off-post families fall in either Richland School District 1 or District 2. Both districts offer Open Enrollment each spring, allowing families to apply to schools outside their neighborhood zone — a valuable option for military families whose address may not feed into their preferred school.
For school enrollment questions, contact the Fort Jackson School Liaison Officer through the Fort Jackson official website. School boundaries matter — confirm your specific address feeds the school you expect before signing a lease.
Shaw AFB does not have on-post DoDEA schools. Students attend Sumter County or Sumter City schools off base. The Sumter school system includes options across a range of quality levels; families consistently recommend researching specific school attendance zones before choosing a neighborhood. The School Liaison Officer at Shaw AFB can provide current zone maps and enrollment guidance — contact them through the Shaw AFB official website.
Moncrief Army Health Clinic is the primary military medical facility on Fort Jackson, offering primary care, specialty care, pharmacy, and dental services for active duty, family members, and retirees.
| Address | 4500 8th Division Rd., Fort Jackson, SC 29207-5700 |
| Hours | Monday–Friday, 8:00 a.m. – 4:00 p.m. |
| Website | moncrief.tricare.mil |
| TRICARE Nurse Advice Line | 1-800-TRICARE (874-2273), Option 1 — 24/7 |
Moncrief accepts electronic prescriptions from civilian providers. As with most military clinics, it does not offer full emergency services — use Columbia-area civilian hospitals for emergencies and labor/delivery. Enroll with TRICARE and get assigned a PCM as soon as you in-process. More information at tricare.mil.
The 20th Medical Group provides healthcare for Shaw AFB personnel and families through its Patient-Centered Medical Home model. It includes four squadrons: the 20th Aerospace Medicine Squadron, 20th Medical Operations Squadron, 20th Medical Support Squadron, and 20th Dental Squadron.
| Website | shaw.tricare.mil |
| Appointments | By phone, TRICARE Online (TOL), or MiCARE (Relay Health) |
| TRICARE Nurse Advice Line | 1-800-TRICARE (874-2273), Option 1 — 24/7 |
The nearest civilian hospital for emergencies is Prisma Health Tuomey in Sumter. For larger specialty care needs, Columbia hospitals are approximately 40 minutes away. Enroll with TRICARE immediately upon in-processing.
| Facility | Details |
|---|---|
| Commissary | On post; open to all authorized patrons |
| Post Exchange (PX) | Full-service exchange on post |
| Fitness Centers | Multiple gyms across post |
| Child Development Centers | Multiple CDCs on post (Scales Avenue, Lee Road, Imboden Street); apply for waitlist immediately upon receiving orders |
| Weston Lake Recreation Area | On-post lake; fishing, swimming, outdoor recreation |
| Army Community Service (ACS) | Relocation assistance, newcomer orientation, financial counseling, spouse employment support |
| U.S. Army Soldier Support Institute | The Army’s center for HR and finance training — many permanent party Soldiers work here |
| Facility | Details |
|---|---|
| Shaw AFB Exchange | 370 Rhodes Ave., Bldg. 1403, Sumter, SC 29152 — (803) 666-3050 |
| Commissary | On base; open to authorized patrons |
| Golf Course | On-base golf course; two public courses nearby |
| Fitness Center | Full fitness center on base |
| Child Development Center | On-base CDC with access to housing neighborhood; apply for waitlist early |
| Airman & Family Readiness Center | Transition assistance, spouse employment, financial counseling, PCS support |
Columbia gives Fort Jackson families the resources of a state capital. The University of South Carolina anchors a college-town energy with museums, concerts, and restaurants. Weston Lake Recreation Area on post offers fishing and outdoor activities within minutes of the gate. The South Carolina State Museum, Riverbanks Zoo, and the Vista entertainment district are popular family destinations. The climate is Southern — hot humid summers, mild winters, and the rare snow event. Hurricane season runs June through November; preparedness plans are wise.
Beaches are a real weekend option: Folly Beach, Kiawah Island, and Isle of Palms are about two hours away. For mountains, the Blue Ridge is a three-hour drive.
Sumter is a smaller city with a small-town feel and surprising amenities. The historic downtown has a Sumter County Museum, local dining favorites like Hampton’s and the Palmetto Oyster Bar, and a large tennis complex. The Sumter National Forest offers excellent hiking and outdoor recreation nearby. Shaw’s proximity to Myrtle Beach (about 95 miles / 2 hours) and Charleston (just under 2 hours) makes weekend escapes easy and frequent for families stationed here.
Spouse employment in Sumter is limited — the city is smaller and the job market narrower than Columbia. Remote work and federal government positions are the most practical options for spouses not in healthcare or education. Columbia commuters do exist, but factor the 40-minute drive into your daily calculus before committing to a far-west address. The MilitaryOneSource My Career Advancement Account (MyCAA) scholarship is worth exploring for spouses looking to build credentials during this assignment.
See our PCS Toolkit, 2026 BAH Rates Guide, and DITY/PPM Move Guide as you finalize your plan. And if you haven’t started a PCS Plan© yet, that’s your next step.
No. Fort Jackson is a large U.S. Army installation in Columbia, SC. Shaw AFB is a U.S. Air Force installation in Sumter, SC, approximately 40 miles away. They are separate bases with separate command structures, housing offices, BAH rates, and communities — though both serve the broader South Carolina Midlands region and share some dual-military families.
Fort Jackson 2026 BAH rates increased 3.3% from 2025. An E-5 with dependents receives $1,878/month; an E-6 with dependents receives $2,121/month; an O-3 with dependents receives $2,232/month. Use the official DoD BAH Calculator for your exact grade and dependency status.
Shaw AFB 2026 BAH rates increased 4.9% from 2025 — one of the higher regional increases. An E-5 with dependents receives $1,503/month; an E-6 with dependents receives $1,947/month; an O-3 with dependents receives $2,052/month. Shaw BAH is lower than Fort Jackson BAH, which reflects Sumter’s more affordable housing market. Use the DoD BAH Calculator to confirm your rate.
Fort Jackson housing is managed by Balfour Beatty Communities, (803) 738-8275. Three neighborhoods serve different populations: Pierce Terrace (enlisted), Mabry Manor and Howie Village (officers). Units range from 2–4 bedrooms. E1–E5 unaccompanied Soldiers are required to live in the Freddie Stowers Single Soldier Complex, (803) 751-5446. Contact the Housing Services Office at (803) 751-5788 for off-post lease help and landlord mediation.
On post, Pierce Terrace Elementary (Pre-K–Grade 1) at (803) 782-1772 and C.C. Pinckney Elementary (Grades 2–6) at (803) 787-6815 serve military-connected students tuition-free. Middle school students attend Dent Middle; high school students typically attend Richland Northeast High School. Off-post families are served by Richland School Districts 1 and 2. Open Enrollment each spring allows families to apply outside their neighborhood zone.
Moncrief Army Health Clinic is located at 4500 8th Division Rd., Fort Jackson, SC 29207. Hours are Monday–Friday, 8:00 a.m. – 4:00 p.m. The clinic offers primary care, specialty care, and pharmacy services. For emergencies and labor/delivery, use Columbia-area civilian hospitals. TRICARE Nurse Advice Line: 1-800-TRICARE, Option 1, available 24/7. Website: moncrief.tricare.mil.
The 20th Medical Group provides healthcare at Shaw AFB through a Patient-Centered Medical Home model. It includes primary care, aerospace medicine, dental, and support squadrons. Appointments can be made by phone, TRICARE Online, or MiCARE. For emergencies, the nearest civilian hospital is Prisma Health Tuomey in Sumter. Website: shaw.tricare.mil.
The most popular areas are Northeast Columbia/Sandhills (convenient, lots of amenities), Blythewood (top schools, more space), and Irmo/Seven Oaks (Lake Murray access, good schools, dual-mil friendly). Camden and Lugoff offer affordable small-town living with a longer commute. Check the Fort Jackson PCS Pay-It-Forward® group for current family reviews and commute reality checks.
Shaw AFB is about 95 miles from Myrtle Beach (approximately 2 hours) and just under 2 hours from Charleston. Families stationed at Shaw consistently mention beach access as one of the best perks of the assignment — weekend trips are genuinely easy and happen regularly.
Both markets favor buyers who can use the VA Loan. Columbia home prices are moderate and growing. Sumter is even more affordable, with strong potential for rental income after your PCS. The key factors are your remaining time on station, your family’s stability, and your financial readiness. Start with our VA Home Loan guide to understand your benefit, and connect with local military-friendly realtors through the PCS Pay-It-Forward® group.
Fort Jackson is the U.S. Army’s most active training installation, producing approximately 50% of all soldiers and 60% of all women entering the Army each year through Basic Combat Training. Permanent party assignments include the 165th and 193rd Infantry Brigades, the Drill Sergeant Academy, and the U.S. Army Soldier Support Institute. The base motto — “Victory Starts Here” — reflects its role as the gateway to Army service.
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
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