FORT CAMPBELL, KY · MHA KY106 · effective January 1, 2026
Fort Campbell BAH Rates 2026
Official 2026 Basic Allowance for Housing rates for Fort Campbell, which falls in the Fort Campbell, KY housing area (KY106). An E-5 with dependents receives $1,815 per month here ($1,593 without dependents).
That is about 18% below the $2,225 average across all 338 military housing areas, ranking 217 of 338. BAH is tax-free, and most members also draw BAS at $476.95/month (enlisted).
E-4 with dependents
$1,743/mo
$1,470 without
E-5 with dependents
$1,815/mo
$1,593 without
E-6 with dependents
$2,100/mo
$1,671 without
E-7 with dependents
$2,244/mo
$1,743 without
O-1 with dependents
$1,857/mo
$1,668 without
O-3 with dependents
$2,496/mo
$1,995 without
2026 BAH rates at Fort Campbell — all pay grades
Monthly, tax-free. O-1E/O-2E/O-3E are officers with prior enlisted service.
| 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 | $3,048 | $2,520 |
| O-8 | $3,048 | $2,520 |
| O-9 | $3,048 | $2,520 |
| O-10 | $3,048 | $2,520 |
Need a different location? Use the BAH calculator to look up any US ZIP code.
Which ZIP codes get the Fort Campbell rate
Housing area KY106 covers 39 ZIP codes. If your duty station falls in any of them you receive the rates on this page, whatever your home address. At this location the with-dependents rate runs 14% above the without-dependents rate, and pay grades span $1,743 to $3,048 per month.
ZIP codes in KY106
37010, 37015, 37023, 37028, 37032, 37035, 37040, 37041, 37042, 37043, 37044, 37049, 37050, 37052, 37058, 37073, 37079, 37082, 37141, 37142, 37143, 37146, 37152, 37171, 37172, 37188, 37191, 42211, 42215, 42217, 42221, 42223, 42232, 42236, 42240, 42241, 42254, 42262, 42266
Not listed? Look up any US ZIP with the BAH calculator.
Installations with similar BAH to Fort Campbell
An E-5 with dependents draws $1,815/month here — $21,780 a year, tax-free. These bases pay closest to the same:
| Installation | Area | E-5 w/ dependents |
|---|---|---|
| Fort Campbell | Fort Campbell, KY | $1,815 |
| Fort Bliss | El Paso, TX | $1,809 |
| Fort Bragg | Fort Bragg/Pope, NC | $1,806 |
| Robins AFB | Robins AFB, GA | $1,800 |
| Barksdale AFB | Shreveport/Barksdale AFB, LA | $1,845 |
What these rates mean at Fort Campbell
Your BAH is fixed by your duty-station ZIP code, pay grade and dependency status — not by your actual rent or where in the area you choose to live. Everyone assigned to Fort Campbell at the same grade and dependency status receives the identical amount, so housing cheaper than your allowance leaves money in your pocket, and anything above it comes out of your own.
Rates are re-set every January from fresh local rental surveys. Individual rate protection means your BAH will not fall while you stay at Fort Campbell in the same grade with the same dependency status, even if the published rate for the area drops.
To see BAH alongside basic pay and BAS for your total monthly compensation, use the military pay calculator, or check basic pay by rank on the 2026 military pay chart.
Frequently asked questions
What is the BAH rate at Fort Campbell in 2026?
An E-5 with dependents assigned to Fort Campbell receives $1,815 per month in 2026, or $1,593 without dependents. Fort Campbell sits in the FORT CAMPBELL, KY military housing area (KY106). Rates vary by pay grade — the full table is on this page.
Is BAH at Fort Campbell higher or lower than average?
For an E-5 with dependents, Fort Campbell pays $1,815 against a $2,225 average across all 338 housing areas — about 18% below the national mean, ranking 217 of 338 areas.
Does BAH at Fort Campbell depend on where I actually live?
No. Your BAH is set by your duty-station ZIP code, not your home address, so everyone assigned to Fort Campbell at the same grade and dependency status receives the same rate. If you rent for less than your BAH you keep the difference; if you spend more, you cover it.
BAH rates at other installations
Source
Rates are the 2026 tables published by the Defense Travel Management Office for military housing area KY106 (FORT CAMPBELL, KY), effective January 1, 2026. Installation-to-area mapping uses the official DTMO ZIP file (duty-station ZIP 42223). This page is for estimation; your finance office is the authority on your entitlement.