What is O-3 BAH at Fort Campbell in 2026?

$2,496 per month with dependents ($29,952 per year), effective 01 JAN 2026. Without dependents it is $1,995 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Fort Campbell 2026 — $2,496 with dependents, $1,995 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Fort Campbell, KY

O-3 · with dependents

$2,496/ month

$29,952 / year

At O-3, this is #179 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA KY106 · ZIPs 37010 37015 37023 37028 37032 37035 +33 more

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Untaxed — matching it with taxable pay takes$3,200 / mo gross

Without dependents here$1,995 / mo

In government quarters, no dependents$50.10 / mo partial

Fort Campbell — full sheetTap a row

Grade	With dep.	Without
Enlisted
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
Warrant officer
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
Officer — prior enlisted
O-1E	$2,271	$1,812
O-2E	$2,472	$1,938
O-3E	$2,634	$2,091
Officer
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

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

Battle Creek$2,514

Fargo$2,511

County Cost Group 800$2,508

Jackson$2,502

Fort Campbell$2,496

Phoenix$2,490

Eastern Panhandle$2,478

Corpus Christi$2,475

Hampton$2,475

Anniston$1,686

Fort Campbell is #179 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 a year, untaxed.

Every pay grade at Fort Campbell0 – $3,048 / month

E-1$1,743

E-2$1,743

E-3$1,743

E-4$1,743

E-5$1,815

E-6$2,100

E-7$2,244

E-8$2,400

E-9$2,580

W-1$2,121

W-2$2,307

W-3$2,499

W-4$2,610

W-5$2,751

O-1E$2,271

O-2E$2,472

O-3E$2,634

O-1$1,857

O-2$2,097

O-3$2,496

O-4$2,793

O-5$3,006

O-6$3,030

O-7$3,048

Promoting to O-4 here adds $297 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Fort Campbell to Westchester County at O-3 is worth $4,137 a month — about 14 promotions worth of housing allowance, at $297 per grade here.

Dependency status is worth 25% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

None of it is taxed. $2,496 a month of BAH takes more than $2,496 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

O-3 at Fort Campbell draws $2,496 per month with dependents in 2026, $1,995 without

What this rate means

Things the rate table doesn't tell you