Compare military bases / Fort Campbell → Fort Bragg
PCS · KY → NC
Compare Fort Campbell and Fort Bragg
E-5 BAH with dependents is $1,815 a month at Fort Campbell and $1,806 at Fort Bragg (2026 DTMO rates), $9 apart. Measured against HUD's 3-bedroom rent for the ZIP outside each gate ($2,240 in 42223, $1,670 in 28309), that leaves $425/mo short at Fort Campbell and $136/mo to spare at Fort Bragg. Buying off-base, the Census median home value is $263,600 in Clarksville and $188,000 in Fayetteville. Host-state top income-tax rates are 3.5% in Kentucky and 3.99% in North Carolina, though tax on military pay follows legal residence, not the duty station.
Moving the other way (Fort Bragg to Fort Campbell)? The same numbers apply—swap the columns.
Deadlines and checklists on this page are for arriving in Fort Bragg; for Fort Campbell, see the Fort Campbell page.
Data: Fort Campbell: DTMO 2026 BAH for MHA KY106, HUD rents for ZIP 42223, Census ACS for Clarksville city, NOAA normals at Clarksville Outlaw Airport, TN; Fort Bragg: DTMO 2026 BAH for MHA NC182, HUD rents for ZIP 28309, Census ACS for Fayetteville city, NOAA normals at Fayetteville Regional Airport, NC. Jump to sources · Methodology
Will my BAH (Basic Allowance for Housing) go up or down if I move from Fort Campbell to Fort Bragg?
This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.
Monthly BAH at E-5 pay grade without dependents.
- Fort Campbell
- $1,593
- Fort Bragg
- $1,527
- Lower BAH at Fort Bragg
BAH vs typical 2-bedroom rent nearby.
- Fort Campbell
- $17/mo short
- Fort Bragg
- $277/mo left over
Housing just outside the gate: Clarksville vs Fayetteville
Rents shown on table are the 40th-percentile for 2 and 3 bedroom figures for the residential ZIP code nearest the base.
| Fort Campbell Clarksville 42223 | Fort Bragg Fayetteville 28309 | |
|---|---|---|
| Median home value (city) | $263,600 | $188,000 |
| Median gross rent (city) | $1,307/mo | $1,250 |
| HUD ZIP 2-BR rent | $1,610/mo | $1,250 |
| HUD ZIP 3-BR rent | $2,240/mo | $1,670 |
| HUD metro 2-BR rent (wider area) | $1,346/mo | $1,251 |
| E-5 without dependents minus 2-BR | −$17/mo | +$277/mo |
| E-5 with dependents minus 3-BR | −$425/mo | +$136/mo |
E-5 without dependents vs a HUD 2-bedroom is −$17/mo at Fort Campbell vs +$277/mo at Fort Bragg. E-5 with dependents vs a 3-bedroom is −$425/mo vs +$136/mo.
Host-state comparison: Kentucky vs. North Carolina
| Kentucky | North Carolina | |
|---|---|---|
| Sales tax | 6.00% | 7.00% |
| Property tax | 0.74% | 0.66% |
| Personal property tax | Yes — 1.44% effective | Yes — 1.10% effective |
| Top state income tax | 3.5% | 3.99% |
| Median home value | $235,735 | $339,594 |
| Branch | Army | Army |
| HUD 2-BR FMR | $1,346 | $1,251 |
| Climate high/low | 69° / 48°F | 74° / 52°F |
| Annual precip | 47.2 in | 44.6 in |
| Nearby city | Clarksville | Fayetteville |
| Host state | Kentucky | North Carolina |
PCS checklist for Fort Bragg
- Update DEERS. BAH at Fort Bragg uses MHA NC182 (ZIP 28310).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near Fort Bragg is $1,251/mo. On-base housing is separate.
- New North Carolina residents typically have 60 days for a license and 60 days to title a car.
- Reporting: Fort Bragg.
Biggest differences
- E-5 with-dependents BAH is lower at Fort Bragg ($1,806 vs $1,815).
- Median owner-occupied home value in the off-base city is $188,000 in Fayetteville vs $263,600 in Clarksville (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $1,250 in 28309 vs $1,610 in 42223.
- Host-state wage tax is Top listed rate 3.5% in Kentucky vs Flat 3.99% in North Carolina (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 7% in North Carolina vs 6% in Kentucky.
Common questions
Is BAH different from Fort Campbell to Fort Bragg?
DTMO CY2026 with- and without-dependents rates for every pay grade are in the BAH table on this page. E-5 with dependents: $1,815 vs $1,806; without dependents: $1,593 vs $1,527.
What is local rent like near Fort Bragg?
HUD FY2026 Small Area FMR for ZIP 28309 (Fayetteville) is $1,250/mo for a 2-bedroom and $1,670/mo for a 3-bedroom. The wider metro 2-BR FMR is $1,251/mo.
Will BAH cover off-base rent if I PCS from Fort Campbell to Fort Bragg?
E-5 without dependents minus a HUD 2-bedroom is −$17/mo at Fort Campbell vs +$277/mo at Fort Bragg. E-5 with dependents minus a 3-bedroom is −$425/mo vs +$136/mo. Use the calculator for other pay grades. Actual listings vary; BAH is untaxed housing pay, not a rent cap.
Does my state income tax change if I PCS from Fort Campbell to Fort Bragg?
Usually not just because the duty station changes. Military pay generally follows legal residence under the Servicemembers Civil Relief Act; spouses may have similar protection. Kentucky: Top listed rate 3.5%. North Carolina: Flat 3.99%. BAH is not taxed. Sales tax and titling a car follow the state you live in.
How long do I have for a license and car title if I PCS to Fort Bragg?
New North Carolina residents typically have 60 days for a license and 60 days to title a car (30 and 15 days in Kentucky).
How does sales tax near Fort Bragg compare with Fort Campbell?
Combined sales tax averages 7% in North Carolina vs 6% in Kentucky. This follows where you live, not legal residence for military pay.
What do homes cost in Clarksville vs Fayetteville?
Census ACS 5-year (2020–2024) median value of owner-occupied homes is $263,600 in Clarksville, Kentucky vs $188,000 in Fayetteville, North Carolina. Median gross rent in those cities is $1,307 vs $1,250. These are city medians (owners’ reported values), not last month’s sale prices.
Related PCS
Fort Campbell · Fort Bragg · Fort Bragg → Fort Hood · Fort Bragg → Joint Base Lewis-McChord
Your PCS
Only destinations that share a service with the origin are listed.
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); Fort Bragg (NC182). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Christian County $1,346; Cumberland County $1,251.
- 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; 28309 (Fayetteville) $1,250 / $1,670.
- 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) and Fayetteville city, North Carolina ($188,000, $1,250/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Clarksville Outlaw Airport, TN (USW00003894); Fayetteville Regional Airport, NC (USW00093740).
- Host-state wage tax. Statewide listed rates for Kentucky and North Carolina 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 and North Carolina. 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 and North Carolina. 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%); North Carolina motor-vehicle agency (license 60 days, title 60 days; title tax 3.00%). 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 and North Carolina. 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 and North Carolina. Backdrop for off-base purchase prices; on-base housing and BAH are separate.
Data last updated: September 2026. How the data is compiled