Fort Belvoir BAH Rates 2026

How BAH Is Calculated Here

The survey samples the Northern Virginia rental market, sets medians for six housing profiles, adds utilities, and assigns each paygrade a profile.

Median, not ceiling. Rises mid-tour, never falls.

The Fairfax-specific detail is that the rate is built from a rental market that includes some of the most expensive housing in the country, while the buying decision you will actually make happens fifteen miles south in Prince William County. The BAH follows the installation; your house does not have to.

On the tax side, the two counties diverge and it is worth knowing before you compare listings. Fairfax County's 2026 rate is $1.12 per $100 of assessed value, with a stormwater district adding $0.0325 and a refuse charge of $630 a year where the county collects. Prince William County cut its FY2027 base rate to $0.865, down from $0.906, with separate Fire & Rescue and Mosquito levies on top; the FY2026 combined figure was $0.9805. On a $500,000 house that difference is roughly $70 a month — real, but smaller than the $250,000 price gap between the two markets.

What BAH Actually Covers at Fort Belvoir

Two markets, run side by side, because this is the actual decision.

Fairfax County — median $748,993 (Redfin, August 2026), $348 a square foot, down 0.8% year over year:

	Monthly
Principal & interest	$4,973
Property tax (1.1525% incl. stormwater)	$719
Homeowners insurance (estimated)	$267
Total	$5,959

Woodbridge, ZIP 22191 — median $499,889 (Redfin, July 2026), $230 a square foot, flat year over year:

	Monthly
Principal & interest	$3,319
Property tax (≈0.98% combined)	$408
Homeowners insurance (estimated)	$200
Total	$3,927

Against BAH with dependents:

Rank	BAH	Fairfax County	Woodbridge
E-4	$3,096	Short $2,863	Short $831
E-5	$3,132	Short $2,827	Short $795
E-6	$3,759	Short $2,200	Short $168
E-7	$3,855	Short $2,104	Short $72
O-3	$4,020	Short $1,939	Covers, $93 left

That is the whole page in one table. Fifteen miles turns a $2,104 shortfall into a $72 one for an E-7. Dale City, ZIP 22193, sits between the two at a $544,764 median and was the stronger performer of the pair, up 5.4% year over year with homes moving in 30 days.

Virginia insurance averages $2,060 a year on $300,000 of dwelling coverage; the figures above scale that to the replacement cost each price implies. They are planning numbers.

A VA service-connected disability rating waives the funding fee — about $104 a month in Fairfax, $69 in Woodbridge.

How It Compares

Fairfax County three-bedrooms rent for about $3,301; Woodbridge runs about $2,700 (Rentometer and Zillow, September 2026).

In Fairfax County, owning costs $2,658 a month more than renting and buying passes renting at about month 190 — nearly sixteen years. In Woodbridge the gap is $1,227 and buying passes renting at about month 124, a little over ten years. Better, but still well past a normal Belvoir tour.

Before you decide the south is obviously right, here is the thing a generic BAH page will never tell you: the I-95 Express Lanes do not serve Fort Belvoir.

There is no Express Lanes access point at Route 1 or at the installation. Belvoir is reached from the general-purpose lanes at Exit 161 (US-1 Richmond Highway), Exit 163 (Lorton Road) and Exit 166 (Fairfax County Parkway). The Woodbridge Opitz Boulevard ramp does connect to the Express Lanes, but it carries you past Belvoir toward Springfield and DC.

So the toll-lane math that dominates every Northern Virginia commute conversation is irrelevant to your duty commute. Woodbridge to Belvoir is general-purpose lanes and Route 1, in traffic, every day. The Express Lanes only matter if a spouse commutes into DC or Arlington — where they matter a great deal: observed full-corridor evening tolls have run $91.75 and $97.55 on recent weekdays, and an E-ZPass Flex in HOV-3+ mode rides free, with false HOV claims drawing Virginia State Police tickets up to $1,000.

Route 1 itself is a decade-long construction zone. The $987.3 million Richmond Highway Bus Rapid Transit program runs Huntington Metro to Fort Belvoir with nine stations and associated widening. County leadership said in July 2026 that it remains on schedule, but roughly $350 million of its funding is still unidentified. Drive the commute at 0700 on a weekday before you sign anything.

What to do with this: for a single tour, rent — in either market. If you are buying, the decision is not Fairfax versus Woodbridge on price, it is whether you will accept the Route 1 commute for three years to make the payment work, because that is what the $250,000 saving actually buys. Drive it first.

For an E-6 or E-7, Woodbridge is genuinely close: the price where BAH covers the entire payment is $477,327 for an E-6 and $490,203 for an E-7, both within a few percent of the local median. Put a real address into the BAH calculator.