Moving to Fort Campbell
Housing, neighborhoods, schools, and 2026 BAH for families PCSing to Clarksville, Tennessee.
Fort Campbell straddles the Tennessee-Kentucky line and is home to the 101st Airborne Division (Air Assault). Most PCSing families live in Clarksville, Tennessee, or Oak Grove and Hopkinsville, Kentucky, where low home prices and Tennessee’s lack of a state income tax make buying with a VA loan a common first move.
Last updated: 2026-07-19
On-base vs off-base housing
On-post housing through Campbell Crossing has broad inventory, with waitlists on larger floor plans. Off-post, Clarksville on the Tennessee side is by far the largest and most popular market, while Oak Grove and Hopkinsville on the Kentucky side sit closest to the gate. Clarksville’s growth and low prices make it a strong buy-and-hold market for VA-loan buyers.
Where military families live near Fort Campbell
Families PCSing to Fort Campbell most often settle in Clarksville, TN, Oak Grove, KY, Hopkinsville, KY. The table below shows typical rents, home prices, and drive time to the gate for each.
| Area | 3-bed rent | Home prices | To gate | Notes |
|---|---|---|---|---|
| Clarksville, TN | $1,250-$1,800 | $230k-$340k | 10-25 min | Largest market by far; heavy military base, newest subdivisions, no TN income tax. |
| Oak Grove, KY | $1,100-$1,550 | $180k-$270k | 5-10 min | Closest town to the main gate on the Kentucky side; convenient for short commutes. |
| Hopkinsville, KY | $1,050-$1,500 | $170k-$260k | 15-25 min | Larger Kentucky-side town with lower prices and a small-city feel. |
2026 BAH near Fort Campbell
Basic Allowance for Housing (BAH) at Fort Campbell is set by the KY106 (Fort Campbell, KY) military housing area. Rates below are monthly, by pay grade, for 2026.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-5 | $1,815 | $1,593 |
| E-7 | $2,244 | $1,743 |
| O-3 | $2,496 | $1,995 |
Source: DoD/DTMO 2026 BAH rate table (travel.dod.mil), effective January 1, 2026.
Schools near Fort Campbell
| School | Level | District | Town |
|---|---|---|---|
| Rossview High School | High | Clarksville-Montgomery County | Clarksville |
| Kenwood Middle School | Middle | Clarksville-Montgomery County | Clarksville |
| Lincoln Elementary | Elementary | Christian County | Hopkinsville |
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Start your PCS checklistFort Campbell PCS FAQ
Should I live on the Tennessee or Kentucky side of Fort Campbell?
Both work. Clarksville, Tennessee has the most housing, newest subdivisions, and no state income tax, which is why most families choose it despite a slightly longer commute. Oak Grove and Hopkinsville on the Kentucky side sit closest to the gate and have lower home prices, so the choice comes down to commute versus inventory.
Is Clarksville a good place to buy near Fort Campbell?
Yes. Clarksville is a fast-growing city with low home prices and no Tennessee state income tax, which makes buying with a VA loan realistic for most ranks. The steady flow of soldiers keeps rental demand high, so many families buy and later keep the home as an investment property after they PCS.
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