Fort Campbell: 2026 BAH, On-Post Housing and Neighborhoods
An E-5 with dependents at Fort Campbell receives $1,815 a month in BAH for 2026 ($1,593 without dependents) in the Fort Campbell, KY (KY106) area. The most affordable of 8 mapped Clarksville neighborhoods with enough recent sales are Red River ($217,000), Greenwood ($229,920), Bel Air Estates ($232,419). Estimated mortgage payments in those areas run $1,645 to $1,762 a month.
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2026 BAH rates at Fort Campbell, E-1 to O-10
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,743 | $1,470 |
| E-2 | $1,743 | $1,470 |
| E-3 | $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 |
| W-4 | $2,610 | $2,130 |
| W-5 | $2,751 | $2,277 |
| O-1E | $2,271 | $1,812 |
| O-2E | $2,472 | $1,938 |
| O-3E | $2,634 | $2,091 |
| 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 |
| O-7 to O-10 | $3,048 | $2,520 |
On-post housing at Fort Campbell
How it works
On-post family housing at Fort Campbell is run by a private company, not the Army. You apply and lease with Campbell Crossing, and the Army's Housing Services Office stays involved for oversight and tenant-landlord disputes.
Who runs it
Campbell Crossing (private partner: Lendlease)
The waitlist
Waitlist position is set by an eligibility date (generally your sign-out date from your last duty station, if you apply within 30 days of your report date) and a priority category. Waits change through the year; the official page says position and times fluctuate by season.
Who can live there
Family housing requires accompanying dependents, verified by PCS orders and DEERS enrollment.
Who to call
- Campbell Crossing Leasing Center: 931-431-9003
- Army Housing Services Office (off-post help): 270-798-3808
Official housing page: Military OneSource, Fort Campbell housing. Phone numbers and wait times change, so confirm before you rely on them.
Off-post neighborhoods near Fort Campbell, adjusted for your BAH
Park Lane
Lakeside Estates
Hillwood
Emerald Hill
Ashland Hills
Cumberland Hills
Southern View
Brandon Hills
Can you buy near Fort Campbell on BAH alone?
| Pay grade | BAH | Payment, median home | Gap | Neighborhoods covered | Verdict |
|---|---|---|---|---|---|
| E-1 to E-4 | $1,743 | $2,074 | -$331 | 2 of 8 | BAH covers 2 of 8 neighborhoods, but not the median home. |
| E-5 | $1,815 | $2,074 | -$259 | 4 of 8 | BAH covers 4 of 8 neighborhoods, but not the median home. |
| E-6 | $2,100 | $2,074 | +$26 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| E-7 | $2,244 | $2,074 | +$170 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| E-8 | $2,400 | $2,074 | +$326 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| E-9 | $2,580 | $2,074 | +$506 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| W-1 | $2,121 | $2,074 | +$47 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| W-2 | $2,307 | $2,074 | +$233 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| W-3 | $2,499 | $2,074 | +$425 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| W-4 | $2,610 | $2,074 | +$536 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| W-5 | $2,751 | $2,074 | +$677 | 8 of 8 | BAH covers the estimated payment in every one of the 8 well-sampled neighborhoods. |
| O-1 | $1,857 | $2,074 | -$217 | 4 of 8 | BAH covers 4 of 8 neighborhoods, but not the median home. |
| O-2 | $2,097 | $2,074 | +$23 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| O-3 | $2,496 | $2,074 | +$422 | 7 of 8 | BAH covers the median home and 7 of 8 neighborhoods. |
| O-4 | $2,793 | $2,074 | +$719 | 8 of 8 | BAH covers the estimated payment in every one of the 8 well-sampled neighborhoods. |
| O-5 | $3,006 | $2,074 | +$932 | 8 of 8 | BAH covers the estimated payment in every one of the 8 well-sampled neighborhoods. |
| O-6 | $3,030 | $2,074 | +$956 | 8 of 8 | BAH covers the estimated payment in every one of the 8 well-sampled neighborhoods. |
The most affordable well-sampled neighborhoods
| Neighborhood | Median price | Recent sales | Est. payment | BAH needed |
|---|---|---|---|---|
| Red River | $217,000 | 6 | $1,645 | first covered at E-1 to E-4 |
| Greenwood | $229,920 | 24 | $1,743 | first covered at E-1 to E-4 |
| Bel Air Estates | $232,419 | 6 | $1,762 | first covered at E-5 |
Frequently asked questions about Fort Campbell housing
How much is BAH for an E-5 with dependents at Fort Campbell in 2026?
In the Fort Campbell, KY (KY106) military housing area, the 2026 BAH for an E-5 with dependents is $1,815 a month and $1,593 without dependents. The full table for every pay grade is above on this page.
Source: DoD Defense Travel Management Office, BAH Rate Lookup
Is BAH enough to cover a mortgage in Clarksville?
The median home price in Clarksville is about $273,659. With 10% down, a 7% rate, a 30-year loan, plus property tax, insurance and mortgage insurance, that is roughly $2,074 a month. An E-5 with dependents gets $1,815 in BAH, so the median home comes in about $259 a month over BAH. Your own number depends on your rate, down payment and the specific home. VA loans can change the math, since they allow zero down.
Source: Median price: Redfin / NeighborSeek market data; tax rate: Census ACS 2023
What area does the Fort Campbell BAH rate cover?
BAH is set by military housing area, not by the installation gate. For Fort Campbell the area is listed by DoD as Fort Campbell, KY (KY106). You are paid the rate for your duty station's ZIP code, not where you choose to live, so living farther out does not change your BAH.
Source: DoD BAH Rate Lookup
How long is the on-post housing waitlist at Fort Campbell?
Waitlist position is set by an eligibility date (generally your sign-out date from your last duty station, if you apply within 30 days of your report date) and a priority category. Waits change through the year; the official page says position and times fluctuate by season.
Who runs on-post housing at Fort Campbell and who do I call?
Campbell Crossing (private partner: Lendlease). On-post family housing at Fort Campbell is run by a private company, not the Army. You apply and lease with Campbell Crossing, and the Army's Housing Services Office stays involved for oversight and tenant-landlord disputes. Numbers: Campbell Crossing Leasing Center: 931-431-9003; Army Housing Services Office (off-post help): 270-798-3808. Confirm numbers and wait times before relying on them.
Do I still get BAH if I live in privatized housing at Fort Campbell?
In privatized on-post housing you generally keep receiving BAH and it goes to the housing company as rent, so you usually do not also pay a separate mortgage or rent. Utilities and renter's insurance are usually separate. Confirm the exact terms with the leasing office before you sign.
Source: DoD BAH Rate Lookup
Can I use a VA loan to buy a home near Fort Campbell?
Yes. VA-backed loans are available to eligible service members and veterans, typically with no down payment requirement and no monthly mortgage insurance, though a one-time VA funding fee usually applies unless you are exempt. Property tax in Clarksville runs about 0.69% of home value per year (Census ACS 2023), which matters when you compare payment to BAH. A lender can confirm your eligibility and entitlement.
Which Clarksville neighborhoods are the most affordable for Fort Campbell families?
By median home price, the three lowest of the 8 mapped Clarksville neighborhoods in our data are Red River ($217,000), Greenwood ($229,920), Bel Air Estates ($232,419). Price is not the whole picture: commute, schools and your own budget matter, and crime on this page is a citywide grade, not neighborhood-level. Use the neighborhood list above with your own pay grade.
Source: Redfin neighborhood medians, Jan-Jun 2026; FBI UCR 2025
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