BAH 2026 · housing area
BAH at Fort Campbell for 2026
The 2026 housing allowance of the Fort Campbell housing area, which spans two states, and how it compares with Nashville and the year before.
BAH 2026 in Fort Campbell
E-5 with dependents
$1,815
| Per year, tax free | $21,780 |
| Without dependents | $1,593 |
| Difference | $222 |
An E-5 with dependents at Fort Campbell receives $1,815 a month of BAH in 2026 and $1,593 without dependents; a married O-3 receives $2,496. The post sits on the line between Kentucky and Tennessee, and so does its housing area: the Defense Travel Management Office file lists 39 ZIP codes in the Fort Campbell, KY area (KY106), from Clarksville, Tennessee, where many families live, to Oak Grove and Hopkinsville in Kentucky. One table applies on both sides of the state line. The area ranks 218 of 338 for the E-5 family rate, and the 2026 rates barely moved from 2025 for the junior grades: the E-5 rate rose by $3. Officer and warrant rates rose more, which matters at a post with a large aviation brigade. Nashville, an hour away, pays an E-5 family $2,268.
Checked by Radif Partners · Editorial policy · How we calculate
Fort Campbell BAH by grade
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,743 | $1,470 |
| E-4 | $1,743 | $1,470 |
| E-5 | $1,815 | $1,593 |
| E-6 | $2,100 | $1,671 |
| E-7 | $2,244 | $1,743 |
| E-8 | $2,400 | $1,878 |
| E-9 | $2,580 | $1,956 |
| W-1 | $2,121 | $1,731 |
| W-2 | $2,307 | $1,875 |
| W-3 | $2,499 | $1,968 |
| O-1 | $1,857 | $1,668 |
| O-2 | $2,097 | $1,794 |
| O-3 | $2,496 | $1,995 |
| O-4 | $2,793 | $2,250 |
| O-5 | $3,006 | $2,334 |
| O-6 | $3,030 | $2,478 |
One rate across a state line
The ZIP codes of the area run from 37010, in Tennessee, to 42266, in Kentucky. The DoD draws housing areas around where members live, not around state borders, so soldiers of the same unit can pay rent in two states while drawing the same allowance. What the state line does change is state income tax for members who are legal residents of the state where they live: Tennessee has no state income tax on wages, Kentucky does, and military pay rules differ by state. Neither touches BAH, which is not taxed anywhere.
2025 and 2026 at Fort Campbell
| Grade | 2025 | 2026 | Change |
|---|---|---|---|
| E-4 | $1,773 | $1,743 | −$30 (−1.7%) |
| E-5 | $1,812 | $1,815 | +$3 (+0.2%) |
| E-6 | $2,067 | $2,100 | +$33 (+1.6%) |
| E-7 | $2,208 | $2,244 | +$36 (+1.6%) |
| W-2 | $2,268 | $2,307 | +$39 (+1.7%) |
| O-1 | $1,848 | $1,857 | +$9 (+0.5%) |
| O-3 | $2,451 | $2,496 | +$45 (+1.8%) |
| O-5 | $2,976 | $3,006 | +$30 (+1%) |
The pattern of 2026 is uneven: junior enlisted rates almost flat, officer and warrant rates up by larger amounts. The DTMO prices each grade on a different housing profile, and the rents of those profiles did not move together. In the area, rent makes up about 83% of the measured housing cost and utilities 17%, before the 5% member cost share.
Nashville and Fort Knox for comparison
Soldiers assigned to recruiting or to units in Nashville receive the Nashville table, much higher: $2,784 for an O-3 with dependents against $2,496 at Fort Campbell. Kentucky's other Army post, Fort Knox, has its own area: $1,647 for an E-5 with dependents. The BAH calculator checks any ZIP code, and the military pay calculator adds basic pay and BAS. For the other large airborne post, see Fort Bragg.
Warrant officers and aviators
With dependents, the warrant officer rates at Fort Campbell run from $2,121 for a WO1 to $2,499 for a CW3, between the senior enlisted and the field grade officer rates. Aviation incentive pay comes on top of basic pay for rated aviators, but it is taxable and is not part of BAH. A WO1 just out of flight school who arrives single receives $1,731.
Members who live in on-post family housing at Fort Campbell receive the home instead of the allowance. When a soldier moves off post, the full rate of the grade starts from the date the housing office releases the family, so the timing of a move-out can matter for the first month's budget.
For dual-military couples, each soldier draws BAH: at most one at the with-dependents rate when they have children, the other at the single rate, both under the Fort Campbell table as long as both are assigned there.
Soldiers of the 101st Airborne Division who move between Fort Campbell and Fort Bragg for successive assignments will notice that the two airborne posts pay close rates for junior grades, with Fort Campbell paying more for most officers.