Army · Clarksville, KY

Fort Campbell: BAH and housing

Fort Campbell is an Army post in Clarksville, Kentucky. For an E-5 with dependents, the housing allowance comes to $1,815 a month (tied for 77th-highest of 119 among the bases we track), $425 less than the $2,240 HUD fair-market rent for a 3-bedroom in ZIP 42223. Homes in Clarksville have a median value of $263,600 (median rent $1,307), which makes it a mid-range market among the bases we cover (60th-highest of 114). Normal daily temperatures run from 48°F to 69°F on average, with 47 inches of precipitation a year.

Data: DTMO 2026 BAH for MHA KY106, HUD rents for ZIP 42223, Census ACS for Clarksville city, NOAA normals at Clarksville Outlaw Airport, TN. Jump to sources · Methodology

What is my BAH (Basic Allowance for Housing) at Fort Campbell?

This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.

Pay grade

Dependents

$1,593/mo

Monthly BAH at E-5 pay grade without dependents.

Fort Campbell: $1,593

Typical 2-bedroom rent nearby: $1,610/mo
BAH vs that rent: $17/mo short

Key facts for living at Fort Campbell

Key facts for living at Fort Campbell
Host state	Kentucky
State income tax	Top listed rate 3.5%
Top state income-tax rate	3.5%
Average sales tax (state + local)	6.00%
Average property tax (real estate)	0.74%
Personal property tax (vehicles)	Yes — 1.44% effective
Median home value	$235,735
Military housing area	KY106 — FORT CAMPBELL, KY
Climate (annual high / low)	69° / 48°F
Annual precipitation	47.2 in
Official site	Fort Campbell

More about living in Kentucky

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PCS checklist for Fort Campbell

Update DEERS and your page-2 / dependency status before BAH starts at the new MHA (KY106).
Look up your exact BAH for rank and dependents on the DTMO BAH lookup (ZIP 42223).
Off-base 2-bedroom HUD FMR in Christian County is $1,346/mo. On-base housing is separate.
Get a KY driver license within 30 days and title the car within 15 days. See Kentucky.
Confirm reporting instructions on the official Fort Campbell site.

How Fort Campbell compares

E-5 with-dependents BAH is higher at Fort Hamilton ($5,070 vs $1,815).

Use the picker above for any other compatible installation. Published PCS pages that include Fort Campbell are listed here.

Campbell → BraggFort Campbell to Fort Bragg

Sources

Housing figures below are for the installation (MHA, HUD rent, climate). Host-state tax rates are statewide averages — not a tax return. County add-ons can differ, and wage tax on military pay follows legal residence, not the duty station.

BAH (with and without dependents). DTMO CY2026 BAH tables for Fort Campbell (KY106). Confirm current rates on the DTMO BAH lookup.
2-bedroom Fair Market Rent. HUD FY2026 FMR — Christian County $1,346.
Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 42223 (Clarksville) $1,610 / $2,240.
Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Clarksville city, Kentucky ($263,600, $1,307/mo). Owner-reported values, not transaction prices.
Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Clarksville Outlaw Airport, TN (USW00003894).
Host-state wage tax. Statewide listed rates for Kentucky from the Tax Foundation 2026 individual income-tax tables. On this page they describe the host state, not automatically the tax on a military LES (legal residence can stay put). BAH is untaxed.
Combined sales tax near the installation. Tax Foundation January 2026 state-and-local sales-tax averages for Kentucky. Used as an off-base shopping stand-in; city and county add-ons vary.
Effective property tax if you buy off-base. Tax Foundation 2026 property taxes by state for Kentucky. On-base housing is not in this figure.
Vehicle title tax and new-resident clocks. Kentucky motor-vehicle agency (license 30 days, title 15 days; title tax 6.00%). These are host-state motor-vehicle rules, not BAH.
Vehicle personal-property tax on the host-state snapshot. WalletHub 2026 vehicle property-tax table for Kentucky. This is a statewide car-tax flag, not real-estate tax and not BAH.
Statewide median home value on the host-state snapshot. Experian / Zillow March 2026 state medians for Kentucky. Backdrop for off-base purchase prices; on-base housing and BAH are separate.

Data last updated: September 2026. How the data is compiled