Military PCS Timeline and BAH

Military Relocation Made Easier

Hi, I'm Leo Rowe, and as a former U.S. Army Soldier who arrived in Clarksville back in 1994, I truly understand how stressful a military move can be—especially with a PCS. My goal is to take as much of that stress off your plate as possible, so you can focus on settling in and enjoying your new chapter at Fort Campbell.

I am here to guide you every step of the way. I specialize in helping military families find the perfect home quickly and smoothly—sometimes even getting you into a new place in just a few days through smart negotiation with sellers.

PCS to Fort Campbell? We've Got You Covered: Fort Campbell, home of the 101st Airborne Division (Screaming Eagles), sits right on the Tennessee-Kentucky border. Many Soldiers and families choose to buy in welcoming Clarksville, TN, or nearby communities—great options with plenty of charm and convenience.

To help you plan ahead, here's a simple, relaxed timeline I've put together for the home-buying process:

As Soon as You Receive Your Orders to Fort Campbell, Give me a call or reach out—I'm happy to share the latest on the Clarksville and Fort Campbell real estate market. Getting a no-obligation VA loan pre-approval early is a smart move. It helps you know your budget, interest rate, and spot any credit items to tidy up before house hunting begins.

30+ Days Before Your Visit. This is a perfect time to browse what's available. Think about what matters most in your next home (size, location, features, etc.), then contact me. I'll put together a personalized list of homes that match what you're looking for.

2 Weeks Before Your Visit. Let's reconnect! I'll refresh that list with the most current homes for sale and highlight the ones you're most interested in seeing when you arrive.

1 Week Before Your Visit. We'll double-check your favorites are still available, add any exciting new options, and lock in a convenient date and time to tour them together.

On Showing Day(s). We'll walk through each home on your list, chatting about how it fits your lifestyle and needs. Once you find "the one," I'll help you understand all the costs involved and craft a strong, competitive offer designed to get accepted—giving you every advantage.

When you're heading to Fort Campbell, I'm here to make your transition as smooth and positive as possible. Whether it's negotiating an early move-in, handling things from a distance, or prepping for arrival day, count on me.

I look forward to helping you and your family find a great home here—I've called this area home for decades and love helping fellow military folks settle in comfortably.

Ready to get started? Just reach out—I'm here for you!

Leo Rowe REALTOR® (931) 278-0555

Welcome to Ft. Campbell, KY

Buy a home with Leo

2026 BAH rates for Ft. Campbell, KY and Clarksville, TN

Typical Affordable home in Clarksville, TN

The Region

The zip code 37042 (primarily covering Clarksville, TN, near Fort Campbell) falls under the Fort Campbell, KY Military Housing Area (MHA: KY106). This is the standard BAH designation for the area. Since Fort Campbell straddles the TN-KY border and rates are unified for the region.

The official 2026 BAH rates for this area (effective January 1, 2026) show a modest average increase of about 1.6% from 2025 in this specific MHA (lower than the national average of 4.2%). Rates vary by pay grade and whether you have dependents (with dependents generally higher, reflecting family-sized housing needs).

Here are the detailed 2026 BAH rates for Fort Campbell, KY

Enlisted (E grades):

E1–E4: With dependents $1,743 | Without dependents $1,470
E5: With $1,815 | Without $1,593
E6: With $2,100 | Without $1,671
E7: With $2,244 | Without $1,743
E8: With $2,400 | Without $1,878
E9: With $2,580 | Without $1,956

Warrant Officers (W grades):

W1: With $2,121 | Without $1,731
W2: With $2,307 | Without $1,875
W3: With $2,499 | Without $1,968
W4: With $2,610 | Without $2,130 (partial data from sources)

Officers (O grades):

Higher grades (O-1 to O-7) range upward; for example, O-1 with dependents around $2,100+, scaling to O-5 ~$3,006 with dependents, O-6 ~$3,030, etc. (Exact figures vary slightly by source but align closely.)

More BAH information

These are monthly amounts and are tax-free. BAH is calculated based on local rental market data, utilities, and a 5% out-of-pocket factor for service members.

To set a realistic home-buying budget in the Clarksville area:

Use your specific pay grade and dependent status as your monthly housing allowance.
Many military families find that BAH covers a significant portion (or all) of a mortgage payment here due to relatively affordable housing compared to larger metros.
Factor in other costs like property taxes, insurance, utilities, and maintenance—BAH is designed for rent/utilities equivalent, so homeownership might stretch further with a VA loan (no down payment, no PMI).

For the most precise personal rate (especially if your pay grade isn't listed above or for full officer tables), use the official DoD BAH Rate Lookup tool at: https://www.travel.dod.mil/Allowances/Basic-Allowance-for-Housing/BAH-Rate-Lookup/ — enter zip code 37042, your pay grade, and dependent status.